In your state, you are required to confirm you wish to access this information. Please enter 'QLD' or 'WA' in the field below to continue.

No thanks

Life Insurance and Death Benefits Claims

Life insurance, which can also be referred to as Death Benefits, is a type of insurance that exists within an individual’s superannuation policy. It is compulsory for all Australian super funds to have this type of insurance included within their policy.

When a loved one passes it can have a huge impact emotionally and financially on a family unit. In many cases, hardship is often compounded if they were a source of income for their dependents.

If you were a spouse, child, or any other dependent of someone who has passed away, you may be entitled to all or part of their super contributions and connected insurance benefits. This is known as a life insurance claim. Our lawyers are experts in bringing about life insurance or death benefit claims and have helped many people get the money they have needed to bounce back and regain control over their life.

Making a life insurance claim

You are only entitled to make a life insurance or death benefit claim if you are a dependent of the deceased. Financially dependent is generally defined as someone who is fully or partially reliant on the deceased for financial support.

Dependents can be in the form of those legally married, de facto partners (including same sex partners), children, and financial dependents or inter dependents.

Why choose Shine Lawyers for your claim?

At Shine Lawyers we have a dedicated team of insurance claims lawyers who have experience in dealing with superannuation funds for life insurance claims. They can help deliver the best results for you and are always available to chat you through you through your claim - in plain English.

Life insurance claims are also part of our No Win No Fee guarantee, which means that you only pay for our legal costs if we are successful with your claim. For more information on this, click here.

Our offer to you

  • Obligation-free consultation to assess your case confidentially

  • Claim assessment process where we will explain all of the options available to you

  • We can come to you - if you can't make it into the office we're more than happy to come to you

  • No Win No Fee arrangement

Common questions about Life Insurance and Death Benefits Claims

Yes – but usually only by the policy holder if two doctors certify that the individual is suffering from a terminal illness and has less than one year to live.
How long a life insurance or death benefit claim takes depends on the complexity of your case. Most insurance benefit claims only take between twelve and eighteen months to be assessed by a fund or insurer. In less complex cases, it’s possible for it to be assessed earlier.
Yes – in death benefit claims you need to submit a claim form and documents showing your relationship to the deceased and any financial dependents. Your lawyer will help you every step of the way during this difficult time.
Yes – there are very strict time limits with regards to disputing decisions made about the distribution of life insurance or death benefits and these vary from policy to policy. Seek legal advice as soon as possible and before you receive any notification of a claim decision from a super fund.
Shine Lawyers are insurance claim experts and can help you make a death benefit claim on a No Win No Fee basis. This means that you won’t have to pay our fees at all, unless we are successful in getting you the result you need.
Shine Lawyers are one of the biggest insurance claims lawyers in the country, and have the experience and nous to go up against the big superannuation funds and get you the result you are looking for – quickly.

At Shine Lawyers you will always 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 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.


Shine Lawyers have offices in the following locations. As part of our service offering, home or hospital appointments can be arranged at your convenience.

Our compensation experts are in the following locations:

Victoria

New South Wales

Queensland

Western Australia

Latest from the blog

Be here for the holidays: Stay safe at work
November 24, 2017

Be here for the holidays: Stay safe at work

For most of us, Christmas is a time to take a break from the pressures of work and relax with family. Sadly, for some Australians it’s also one of the most dangerous times of the year. According to WorkSafe Victoria, nearly 25% of workplace fatalities occur in the lead-up to Christmas as bosses and employees […]

Read more
Five important legal tips for those living with ABI

Five important legal tips for those living with ABI

Knowledge is power, particularly when it comes to understanding your legal rights and entitlements. Here are 5 quick legal tips that you as a professional, carer, or an individual with care needs due to a brain injury should be aware of. 1) Compulsory household insurance for workers If an individual employs a household worker, such […]

Read more
Barbara Petrie’s story
November 23, 2017

Barbara Petrie’s story

Fifty-two year-old Brisbane mother, Barbara Petrie just wanted to get back in shape. Looking to get fit and healthy, she signed up to her local gym. What she got instead, was a lifetime of pain, fear and dependence. “They’ve taken my health, they’ve taken my freedom and they’ve taken my piece of mind.” When Barbara […]

Read more
See more from the blog

Enquire now

Featured lawyer: Will Barsby

Featured lawyer: Will Barsby

Will is a Partner and Department Manager of the Disability Insurance and Superannuation Team. He has over 12 years' legal experience and prides himself on making a difference in the lives of those who have been through difficult times or suffered injustice.

Read more
NEWS: Insurer changes TPD definition in Australia

NEWS: Insurer changes TPD definition in Australia

One of Australia's largest and most recognisable industry super funds, AustralianSuper, has agreed to allow TAL to unilaterally alter the definition for Total and Permanent Disability (TPD) insurance to make it significantly more difficult for members to claim this benefit.

Read more

Call Us Now

Our friendly consultants are available to talk Monday to Friday, 8:15am to 6:00pm AEST.

1800 618 851

Live Chat

Chat with Shine Lawyers through the livechat system without leaving your computer. No downloading, completely private and best of all - its easy to use.

Start a live chat now

Enquire Now

Enquire now