Have you stopped working due to an injury or illness? Do you have any disability or medical condition which restricts you from working? If yes, you may be entitled to insurance benefits under your superannuation fund.
A person who has worked multiple jobs will likely have more than one superannuation fund. But understanding the terms and conditions laid out in the insurance policies under your superannuation fund can be difficult to understand, especially if you do not have legal knowledge.
At WKB Lawyers, we have experienced legal professionals who can help you decode the terms of your superannuation in Melbourne.
Get in touch with our superannuation lawyers in Melbourne to find out the terms of your superannuation policy today.
Insurance Claims That Fall Under Superannuation in Melbourne
Insurance Claims That Fall Under Superannuation in Melbourne
Superannuation funds are retirement plans offered to employees in Australia. It allows employees to save for their post-retirement life and ensure a steady income stream even after they stop working.
In addition to this, many superannuation companies in Melbourne also include various insurance policies in their funds. If an employee is unable to work due to an injury, illness, or death, the insurance policies provide benefits to take care of the family.
Superannuation lawyers in Melbourne can help you claim benefits from a superannuation fund for the following:
Total and Permanent Disability (TPD)
If you are unable to work for three or more months due to an injury or illness, you may be liable to a lump sum payment as part of your TPD insurance.
This can include physical injury, mental illness, or a medical condition that refrains you from returning to work.
Depending on the terms of your TPD insurance, your disability may be defined as:
- Being unable to work in ‘your’ occupation
- Being unable to work in ‘any’ occupation
Income Protection
If an injury or illness has made you temporarily unable to work, you are liable to get “salary continuance benefits” under the Income Protection Insurance.
This means the employee gets a salaried monthly income for the period they cannot work.
Depending on the terms and conditions of your insurance, there will be a minimum waiting period before the monthly payments commence.
Generally, an employee is paid only 75% of their pre-disability income.
Death/Terminal Illness Benefit
A few superannuation companies in Melbourne offer death insurance as part of their fund policies. In the event of your death, the balance of your superannuation account is paid to the listed beneficiary (usually a spouse or children).
This amount can help your family to manage expenses such as paying the mortgage and other bills.
At WKB Lawyers, we have an experienced team specialising in the legalities of superannuation in Melbourne. Our lawyers are qualified, skilled, and have the know-how to handle all types of claims related to superannuation funds.
From TPD claims to Income Protection benefits, our lawyers have tricks up their sleeves to handle any complexity that may arise in such cases.
Who Can Make a Claim Against Superannuation Companies in Melbourne?
Who Can Make a Claim Against Superannuation Companies in Melbourne?
If you have suffered an accident, injury, illness, or medical condition that leaves you indisposed to work, do not worry much. With our superannuation lawyers in Melbourne, you can claim your superannuation fund to receive benefits.
Superannuation claims can be made for the following reasons:
- Physical injuries
- Workplace injury
- Motor vehicle accident
- Cancer, stroke, or heart attack
- Mental health conditions
- Autoimmune condition, or motor neurone disease
Get A Successful Claim with Our Superannuation Lawyers in Melbourne
WKB Lawyers are different from other law firms. We exclusively deal with cases related to superannuation funds and TPD policies. So, our superannuation lawyers in Melbourne have the unique expertise to deal with these legal matters.
FAQs
Superannuation companies may seem like they have good intentions, but they do not want to pay your claims. They will often use delay tactics and try to cut down your payment amount. You need an experienced superannuation lawyer in Melbourne to ensure you are not cheated out of getting a fair payment.
There are different time limits on making an insurance claim, depending on your claim type. It is always best to make your claim at the earliest opportunity. To know if you have a valid time limit for your claim, consult our lawyers for advice.
WKB Lawyers follows the ‘No Win, No Fee’ policy. So, unless you receive a payout from your superannuation fund, you do not have to pay us any fee.
This depends on the terms and conditions of your superannuation fund and its insurance policies. To find out how much benefit you may be eligible for, talk to our legal experts.
It is impossible to say a fixed timeline for how long a superannuation claim takes. It can be anywhere between 6 to 18 months or more, depending on the complexity of the case. It may take even longer if the claim is rejected and you have to go to court.
If you lost a loved one, you can file for a death benefit claim with the superannuation fund. The beneficiary is usually a spouse or children. The super fund decides the distribution of the payment. Hence, you need legal help to ensure you get your claim.
Before making a superannuation insurance claim, you must have all documents and medical evidence with you. To know what documents you must have, consult our lawyers.
If the super fund rejects your superannuation claim, our lawyers can help you challenge the decision in court. We have the skills and expertise to handle complex cases in court.
Yes, non-work-related conditions can also be claimed under a superannuation policy. For example, if you have a car accident that renders you unable to work for some time, you may file for a claim to get insurance benefits.
Yes, you may. As a self-employed person, if you have been paying regular contributions to a superannuation fund, you may be eligible to make a superannuation insurance claim.
Yes, you can. You are eligible to get benefits from your superannuation fund even when you’re on WorkCover or TAC.
Yes, an employee can claim superannuation benefits if they cannot work due to a psychological condition.
Testimonials
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I have been having trouble with a TPD claim for a while with a another law firm where I felt like more of a inconvenience until I approached WKB Lawyers... Read More
Caleb White
Exceptional TPD Lawyer - Highly Recommend! I had the privilege of working with Angela Cook during a challenging TPD claim process, and I can't say enough about her exceptional support and... Read More
A K
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I can not recommend WKB Lawyers enough, Jesicca and Sally have been absolutely amazing. After a few years of going through the process on my own and been rejected,... Read More
Ben Atkinson
Angela Cook, Hunter Mcinnes and the WKB team 2 – Insurance Company 0 WKB are a winning team! When you experience a calamitous life changing accident the best is ripped from you... Read More
L M M
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I don't know where to start. I was trying to claim my retrospective invalidly claim through PSS super. I had no help from PSS, and they were just telling me... Read More
Tracey D
More humans like these people, please! You know people are special when they choose a career helping the vulnerable, despondent and broken in society. This company have solicitors and lawyers who... Read More
Belinda Burrows
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Wonderful service prompt and reliable in calling back and sending documents etc. Nice people very friendly and helpful. Excellent !!
John Francis Hallinan
Helpful, understanding, efficient, stress free, know how to help and always call back/email within 24 hours. Always keep you up to date. Please if you need help with... Read More
Tanya Neuendorf
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I engaged WKB Lawyers, specifically Angela Cook for a TPD claim for a complicated condition for which others’ claims had taken 12+ months. I knew I needed help so I... Read More
Kate Steele
I couldn't be more happy with WKB TPD Lawyers. Warren Bennett took on my case after my claim was denied by my Superannuation fund and within a few months my... Read More
Shane William
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Couldn’t be happier, if I could rate higher than 5 stars I would. Truly excellent service with expert knowledge and advice throughout. He was always available to answer our questions... Read More
corrine mclennan
I don't know where to start. I was trying to claim my retrospective invalidly claim through PSS super. I had no help from PSS, and they were just telling me... Read More
Tracey D
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Thank you so much!! claim approved after it was declined!! great service and the team genuinely cared about my wellbeing.
Kylie Brimming
Great Lawyer, handled my car accident claim with skill and care. Very good service. Thanks Warren
David Lindsey
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Warren handled my will dispute and I was very happy with his service and his great negotiation skills. Very good lawyer and would recommend him to anybody wanting to use... Read More
anne james
Thank you so much for your help, it ment so much to me, you showed empathy and was understanding and made me feel like I am being heard. It... Read More
Cindy Tayyah
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Thank you so much to Warren & Nari who have assisted me over the last 12 months. The communication was immaculate, I was always kept in the loop and pointed... Read More
Katie Butler
5 stars is all that I can give, but Warren deserves more. Not only did he find super for us, but got both our TPD claims approved without us doing... Read More
Jodie Wright
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Thank you very much, Hunter and Angela, for your exceptional work in handling our TPD claim. Warren has built a truly exceptional team at WKB Lawyers - professional, efficient, experienced,... Read More
Patrick hillenbrand
Absolutely amazing service from the WKB team. They helped with every part of my claim, navigating though the complex process with ease and the highest level of professionalism. Responses to... Read More
Amaresh Mathad
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Financial benefits
Managing medical expenses and legal fees can have a negative impact on your financial wellbeing. However, with WKB Lawyers’ “No win, No fee” guarantee, rest assured your finances will not be compromised. You can have peace of mind and concentrate on your recovery.
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At WKB Lawyer, we focus on helping clients succeed in their legal cases. Our commitment to achieving the desired outcomes for our clients has established us as one of Sydney’s most trustworthy and reliable compensation law firms. Leveraging our legal expertise and resources effectively, we aim to strengthen your case and be there for you every step of the way.
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