See if you have a claim
Superannuation & disability claimsWhat are your entitlements?
If you are unable to work due to injury or illness, then you might be entitled to benefits through your superannuation that can help ease the burden.
- Free super claim check
- Largest superannuation claims legal department in Australia
- Full transparency on process and fee structure
I want to claim:
Insurance claimsInsurance law and insurance disputes
If you have had an insurance claim rejected, your benefits have not been paid in full, or if you’re having difficulty with your insurer, we can help.
- Largest insurance claims legal department in Australia
- Full transparency on process and fee structure
I want to claim:
All you need to know about superannuation insurance
Most superannuation policies have insurance elements which are there to protect you if you can't work for any medical reason. We’ll explain who can make a claim and how the legal process works.
Claiming superannuation and superannuation insurance
Your superannuation can be claimed when you retire and under some special circumstances, including when you are unable to work due to an injury or illness. Maurice Blackburn has Australia's largest superannuation claims team, so we can help you get everything you’re entitled to.
If you're unable to work due to an illness, injury or disability, you may be able to claim a lump sum insurance payout from your superannuation fund. You may also be entitled to access your superannuation account balance.
Your illness or injury does not have to be work related for you to be entitled to early access.
What are your entitlements?
Our superannuation claims team can check your policy, make sure you are covered, and help you obtain total and permanent disability (TPD) benefits, income protection benefits, terminal illness benefits, and death benefits.
If you've had a superannuation insurance claim rejected, your benefits were not paid in full, or if you’re having problems with your insurer, get in touch. The Maurice Blackburn team fights for fair every day.
Insurance law and insurance disputes
If you have had an insurance claim rejected, your benefits have not been paid in full, or if you’re having difficulty with your insurer, Maurice Blackburn can help.
We have the largest insurance claims legal department in Australia and we’re experts in fighting for people so they receive all their illness, accident and unforeseen occurrence benefits when they make an insurance claim.
We can also help if you have a general insurance dispute, such as a house insurance issue. Our insurance lawyers have represented clients with flood, mould and building insurance disputes and helped clients with travel insurance disputes.
When it comes time to file an insurance claim, people sometimes get a shock when the insurer relies on the small print to knock back their claim. But whatever type of claim you need to make, our expert insurance lawyers can assist you at every step to get you the outcome you deserve—so get in touch today to find out what we can do for you.
Why Maurice Blackburn?
Maurice Blackburn's superannuation and insurance claims lawyers and claims team are experts who work hard every day to obtain fair outcomes. We can help you to gain early access to your funds when you need them the most. And we understand the importance of having someone in your corner when you're taking on a well-resourced insurance company.
We offer 'no win, no fee'* arrangements for these types of cases, which means that you don’t have to pay for our legal services if we don't win. We have offices in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia.
Contact us today to receive a free superannuation and insurance check and to find out how we can help.
Frequently Asked Questions
You can lodge a superannuation claim as soon as you stop work. This means you can:
- claim super insurance benefits when you can't work due to illness, injury or disability
- claim your super account balance as a lump sum or in instalments once you have retired.
Yes, you can have multiple total and permanent disability (TPD) claims. This will usually be the case if you are a member of more than one superannuation fund.
For disability benefits claims you need a claim form, medical reports that support the claim, relevant documents from medical and other authorities, relevant tax records and written submissions. It is really important to get help with a claim.
For death benefits claims, you need a claim form and any papers showing your relationship to the deceased and any financial dependants.
Our team can help with the complicated forms and make sure all the right information is submitted, setting you up with the best chance of successfully claiming your insurance benefits.
Yes, but usually only one or two. The sessions are known as Independent Medical Examinations.
Any dependants of the deceased or their estate can claim super death benefits. This includes a legally married spouse, de facto partner (including same-sex partner), children, financial dependants and inter-dependants.
Death benefits can be claimed by the super policy holder before they die if two doctors certify that the person suffers from a terminal illness and has less than one year to live.
If you want to contest super death benefits, it is important to contact a lawyer immediately.
Yes, but do so immediately because there is usually a 28 day time limit. You can lodge an internal complaint and the trustee has 90 days to make a decision.
Yes. You can appeal to the Superannuation Complaints Tribunal but there is usually a 28 day time limit. You can also appeal to a court. Get legal help.
You will have to lodge a claim form and a list of the items lost or damaged. Depending on the type of the insurance, you will also have to file medical reports, employer statements, details of lost items and tax documents.
Insurance claims vary depending on their complexity and the type of claim.
Travel, business, motor vehicle and home insurance take 1-3 months on average.
Income protection, trauma and sickness and accident claims take 2-3 months and TPD claims usually take 6-12 months.
Only if the policy says you must.
Maybe one or two.
Most likely, but you might still be entitled to partial disability payments if you return part time.
Yes. You can lodge an internal complaint and the insurer has 45 days to make a decision. If the complaint is to a super fund, they have 90 days. We can help you with complaints.
Yes. You can lodge a complaint to the Financial Ombudsman Service (FOS), the Superannuation Complaints Tribunal (SCT), or you can take your case to court. We can help you with FOS, SCT and court cases.