Insurance Through Superannuation – Maximise Your Benefits
06/12/2023
Many Australians have insurance through a superannuation fund. Mainly because
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AIL’s team of experienced Adelaide insurance lawyers help you successfully access the benefits of your TPD insurance cover through your super fund. When an injury, illness, or mental health condition stops you from doing your job, you could make a TPD insurance claim or income protection claim. In that case, our TPD lawyers in Adelaide help you win your claim on a 100% No Win, No Fee basis, with capped or fixed pricing.
Rely on Aussie Injury Lawyer’s 99% track record of success. It’s FREE to know if you have a valid case – Call Now 1300 873 252
You can find our Adelaide TPD lawyers at 97 Pirie St close to the CBD centre and a few blocks from Rundle Mall (corner of Pirie St and Wyatt St). If you choose to travel by car, the closest car park is Wilson Parking Flinders Link.
Pirie Street Tram Stop is at the end of our street and is a 350 metre or 5-minute walk. Bus stop V2 King William St – West side is a similar distance.
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Aussie Injury Lawyers are leading superannuation insurance claim experts. If you’ve paid money into a superannuation fund during your working life, you may not know that your super account typically comes with several life insurance policies like income protection insurance, death, and TPD cover. Every day, we give residents of Adelaide and regional South Australia the professional legal advice they need to assess their TPD options and make the most of their insurance entitlements.
You can make a TPD claim when a total and permanent disability stops you from working in your usual occupation. When approved, a TPD lump sum payment is deposited into your super account, giving you vital financial support at a challenging time. And unlike workers’ compensation claims, getting a TPD insurance benefit does not depend on how you acquired your injury or illness.
Total and permanent disability claims are not just for physical injuries. You can also seek TPD benefits when a mental illness stops you from working again. A successful outcome relies on strong evidence proving your psychological disorder meets the TPD definition of your superannuation policy. Ask our team to explain your permanent disablement legal rights and the claims process.
When a trauma policyholder is diagnosed with a specific medical condition listed in their policy terms like stroke, cancer, or heart attack, they are eligible to receive critical illness benefits irrespective of their life expectancy.
Australian superannuation funds typically include several insurance policies like TPD, income protection, life, trauma, and other disability insurance cover. When the unexpected happens, and you suffer an injury or illness, you can claim against your superannuation policies and get a lump sum payment or weekly benefits.
You can claim income protection benefits when a temporary injury or illness temporarily stops you from working. However, it’s not always straightforward to claim against your income protection insurance. To succeed, it’s best to have effective legal representation to successfully access your insurance benefits.
When an insured person passes away, their beneficiaries may be entitled to claim death benefits under a life insurance policy. These insurance benefits help dependents cover expenses like medical bills and funeral costs.
You may be eligible to claim critical illness benefits if you are diagnosed with a terminal illness and have a limited time to live. When approved, the policyholder receives a lump sum payout that helps them get by when suffering from a chronic illness.
Don’t panic when you have a denied claim because you still have options. AIL is here to help. With the required expertise and expertise, our legal team will seek to overturn the insurer’s initial decision. When necessary, they can also raise concerns with the Australian Financial Complaints Authority.
When it comes to making a life-altering decision, such as filing a Total and Permanent Disability (TPD) insurance claim, it’s always a great idea to contact a reputable Adelaide lawyer for expert advice. A TPD claims lawyer will understand the application process inside and out, ensuring that your claim is lodged correctly and has the best chance of a successful outcome. They will also be well-versed in the language of insurance policies and can help you to read and understand the small print so you know your full entitlements.
We cover all of South Australia, so wherever you are, there’s an Aussie Injury Lawyers specialist ready to ensure you get the funds you need. Call Now – 1300 873 252.
Aussie Injury Lawyers work on a No Win No Fee basis so you only pay legal fees when your claim is successful. Most people who are filing a TPD Claim or insurance claim would struggle to pay legal fees, particularly if they were unable to work due to an injury or illness.
Our law firm is committed to ensuring everyone gets a fair go. We support people across Australia with experienced legal insights and a relentless focus on getting them their deserved entitlements, with no upfront fees.
During the progress of your claim their may be fees for assessments, expert, or medical reports. But don’t be concerned, we also fund these costs until you are paid your settlement. Should your claim not succeed, you will owe us nothing for the work we have done.
Whether you are currently contributing to a superannuation fund or have contributed at some stage during your working life, the answer is probably yes. So if you or someone close to you has suffered a physical injury or mental illness that makes their current occupation unworkable, our team is here to ensure you receive your full TPD entitlement.
If you’re not sure if you qualify, there is no charge to find out. One of our friendly legal experts can review your case very quickly and give you an accurate assessment of your claim opportunities. Call now for your free case review – 1300 873 252
For good reason, South Australians trust Aussie Injury Lawyers to deliver the best possible TPD claim outcomes. Our strike rate in TPD claims payouts are reassuringly high. In fact, it’s 99%. We rarely lose a case.
To start your online claim assessment, click here. Again, it’s free and will take you less than a minute to complete.
Yes, you can have multiple claims for the same permanent disability when you have TPD insurance cover with more than one super fund. In Australia, it is common for people to have several different jobs throughout their careers, which means they often contribute to several superannuation accounts. In this case, you could make multiple TPD claims and receive a significant lump sum payment.
There are generally no time limits for insurance claims, including when you make a TPD claim. However, having a favourable outcome often relies on taking swift action. That’s because insurance companies often become suspicious when there is a considerable time gap between the date of injury or illness and lodging a claim form.
Give yourself the best chance of winning by contacting Aussie Injury Lawyers for your free case review. Call Now – 1300 873 252
While the average TPD compensation payout is between $ 30,000 and $ 500,000, some Australian claimants can lodge multiple claims with a six-figure settlement.
The average time for settlements TPD claim is between three and 12 months. The factors that influence how long it takes include the case’s complexity, the strength of your evidence and how much the insurance company seeks to challenge your case.
Having a successful TPD claim relies on several factors, with the main one being the strength of your medical reports and other evidence. These documents must satisfy the insurer that your permanent disability prevents you from doing your job. Thankfully, Aussie Injury Lawyers knows how this works, so we have a 99% TPD claim success rate. Find out how we can help you.
No matter where you live in South Australia, you can access informed legal advice from our TPD Lawyers and superannuation insurance experts. Every week, we support our valued clients with TPD compensation advice from the Adelaide metropolitan area and regional South Australia – including Morphett Vale, Glenelg, Port Adelaide, Kapunda, Gawler, Wallaroo, Mount Barker, Port Wakefield, Mildura, Peterborough, Coober Pedy, the Flinders Ranges, and all surrounding districts.
Hardworking and straight-talking, our experienced TPD lawyers are dedicated to delivering results for you. We understand how challenging life can be when things go wrong, and we are here to help you get back to normal.
Relax knowing the expert team at Aussie Injury Lawyers is led by Kerry Splatt, an Accredited Specialist in Personal Injuries law. His expertise, together with over 100 years of combined legal experience, is your guarantee of success. Reach out. Let us show you how we can assist you and your loved ones when the unexpected happens.
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