If you are unable to work following a total or partial disability, it’s possible that you may be entitled to income protection insurance benefits through a specialised insurer, your bank, or even your superannuation. Many individuals are not aware of their ability to make a claim because it’s not always common to receive the income protection policy documents from an insurer.
Terms and conditions vary between insurers and they can often be very difficult to deal with; so its best you seek expert legal advice to help wherever possible, not only to make sense of the fine print, but also to help recoup your full entitlements as quickly as possible.
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Common questions about Income Protection Claims
The terms and conditions between different policies vary, so it’s best to seek legal help in order to definitively find out your rights and entitlements under the policy. Information directly from the insurer can be hard to understand and you may be encouraged not to pursue, much to the benefit of the insurer.
It is for these reasons that many people choose to make an income protection insurance claim through an expert lawyer that knows the ins and outs of the system, how to deal with insurers and all the tips and tricks to ensure you get your full entitlements, as quickly as possible.
Generally speaking, income protection insurance can cover about 75% of your pre-injury or illness salary. This percentage, along with the frequency of payments, age limit restrictions, length of time to claim and whether or not you can still receive payments following termination of employment or payout of a TPD benefit, differ from policy to policy.
We provide obligation-free advice up front and can help you find out your rights with regards to making an income protection insurance claim.
What we’ve found is that these challenges show our character as a law firm to achieve outstanding results for clients. As one of the biggest insurance litigation firms in Australia, we’ve helped many clients successfully overturn decisions from their insurer and receive the ongoing income protection payments they deserve.
We provide all of our 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.
Our compensation experts are in the following locations:
New South Wales
- Gold Coast
- Hervey Bay
- North Lakes
- Stones Corner
- Sunshine Coast
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