If you are unable to work due to illness or disability, then you might be entitled to benefits through your superannuation, life insurance, or other insurance policies to get you back on your feet.
At Shine Lawyers, we have a team of carefully selected insurance and superannuation lawyers who can assist you in making a claim and gaining access to your full range of benefits. Specialty services our lawyers can help you with include:
- Total and Permanent Disability (TPD) claims
- Income protection claims
- Trauma claims
- Life insurance or death benefit claims
Superannuation and disability insurance claims
Most superannuation and insurance policies have benefits to protect you if you are unable to work due to illness or disability. Gaining access to these benefits, however, can be a lengthy and complicated process.
Our team of expert superannuation lawyers are here to guide you through the claims process. They will be with you every step of the way to ensure you receive the full range of benefits you are entitled to, and are able to get back on your feet as soon as possible.
Shine Lawyers - Superannuation and insurance claims experts
At Shine, we have a dedicated team of legal experts with a proven track record in helping everyday Australians access their superannuation and insurance benefits.
Led by National Special Counsel in Consumer Dispute Resolution Will Barsby, our Superannuation and Disability Insurance team is available to evaluate your circumstances and provide you with clear, tailored advice on your claim. Our services are provided on a 'No Win, No Fee' basis, meaning you will only pay legal fees if we obtain a successful outcome.
If you are unsure what you're entitled to under your superannuation or insurance policy, take our simple Benefits test below, or get in touch with a member of the Shine team today.
Common questions about Superannuation & Insurance Claims Lawyers
It can be hard to know where to start. We always recommend speaking to one of our superannuation and insurance claims experts for a quick, obligation-free analysis of your situation to determine your rights and ability to make a claim up front.
Generally speaking though, there are four types of insurance benefits that you may be able to access depending on your circumstances and the policies by which you are covered.
Total and Permanent Disability (TPD)
If you’re sick or wounded and have been off work for three months or more, then you may be eligible for a TPD insurance benefit. Click to read more about TPD claims.
This is sometimes called Total and Temporary Disability (TTD) or Temporary Salary Continuance (TSC). If you have this type of insurance and can’t work, you may be eligible to receive a monthly benefit for a set period of time that pays up to 75% of your gross income. Click to read more about income protection claims.
If you have been diagnosed with a defined medical condition or suffer a specific ailment, you may be eligible to receive a lump sum, regardless of whether you can continue to work or not.
Life Insurance or Death Benefit claims
A lump sum will be paid to the nominated person (usually a spouse or child), upon the insured person’s death. Click to read more about death benefit claims.
For TPD claims you need to show that because of the injury or illness, you cannot do your job, and you cannot do any of the other jobs for which you have education, training or experience. It’s not necessary for you to prove that someone else was at fault.
For Income Protection claims you need to show that you cannot do your job, you are under the care of a doctor, and that you’re not working for a wage or income.
The criteria for claiming benefits differ from policy to policy so it is important that you get legal advice as soon as possible.
Contact us to arrange an obligation-free consultation to assess your case confidentially.
Even if you don’t have superannuation, you may have your own life insurance policy, or your employer may provide you with some form of accident and sickness policy.
You may also have mortgage insurance that will help you make the repayments if you cannot work.
Our lawyers are experts and can help you find out if you have any disability insurance available, so contact us today.
Death, total and permanent disability and trauma benefits usually provide you with a lump sum payment, regardless of your wage or salary. These payments are usually income tax-free.
Income protection benefits are based on a percentage of up to 75% of your gross wage for a set period of time. The benefit is subject to income tax. It can also be reduced if you’re receiving WorkCover statutory payments, Centrelink benefits or other insurance benefits at the same time, but not always.
You can usually find the amount of your benefit in your annual member benefit statements or on the schedule that comes with your insurance policy, but a lawyer should be able to let you know as well once they know more about your situation.
If your claim is rejected again, there’s still a chance that you can successfully appeal your claim through the Courts.
With regards to superannuation claims, generally speaking there are no time limits, but a claim should be lodged as soon as possible. The sooner a claim is lodged, the sooner the fund or insurer will begin assessing your claim, which can lead to a speedier resolution to help you get back on your feet.
There is a six-year time limit to file court proceedings in most cases. Usually that six-year period commences when a fund or insurer rejects your claim for the first time, but that is not always the case. It’s important to seek accurate and expert legal advice as soon as possible to ensure your rights are protected.
There is also a two-year time limit to file a complaint in the Superannuation Complaints Tribunal.
When you’re ready, we’ll be more than happy to discuss your circumstances and offer legal advice specific to your situation.
We offer a fixed fee on most superannuation and insurance claims. The amount of legal costs we charge will depend on the amount of work required to resolve your claim.
Click on the link below for more information about how Shine Lawyers can help.
Why you should choose Shine Lawyers to handle your disability insurance and superannuation claim
Hear from some of our clients
History of Shine Lawyers
The Shine Lawyers team
At Shine Lawyers you will have your own go-to team, who are always available to chat and who understand that explaining things in plain English to you is important.
We provide all of our superannuation and insurance claims services on a No Win No Fee Guarantee, which means you won’t have to pay our legal costs unless we win your claim at the end.
Hear from some of our clients below who have been through the claims process with us.
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