Super Claims

What is a super claim?

You may not be aware that most superannuation funds by default provide Total and Permanent Disability (TPD) insurance cover, making a claim against one of these TPD policies is commonly known as a super claim.

Super TPD claims pays out a lump sum of money if you’re permanently disabled. This means that if you have been injured or have an illness that prevents you from returning to either your usual occupation or any occupation (depending on your chosen policy), you get a payout.

The premiums for super TPD insurance are deducted from your superannuation account.

What does a super claim cover?

Super TPD cover is generally defined as insurance that pays out a lump sum if you become permanently disabled and are unable to work again. This general definition is further 'qualified' by your super insurer, who will have their own definition of TPD.

The three main definitions are below:

  1. Any occupation

This pays a lump sum if you become permanently disabled and are unable to work in your own occupation or any occupation to which you are suited by education, training or experience.

  1. Own occupation

This pays a lump sum if you become permanently disabled and are unable to work in your own occupation. Because the terms are quite specific and a payout is more likely, this is the most expensive form of super TPD insurance.

  1. Living expenses / Non-working

This ignores your occupation and pays a lump sum if you become permanently disabled and are unable to independently conduct two or more of the five listed Activities of Daily Living (i.e. eating, bathing, dressing etc). Given that you would have to be severely disabled to qualify, this is the hardest form of TPD insurance to claim on.

It is important to check the product disclosure statement (PDS) which includes details of what is covered and what is excluded.


Can I make a super claim if I can’t work in my usual job, or any job?

Super TPD insurance will generally insure either ‘any occupation’ or just your ‘own occupation’. What does this mean? Say, for example, you are a plumber who has lost one of your hands.

  1. Own occupation:  You could claim against super Insurance because the injury prevents you from carrying out the duties of your own occupation of being a plumber.
  2. Any occupation: You, the plumber, could reasonably carry out another line of work that doesn’t require both hands. Therefore, you may not be eligible to claim against your super Insurance.

Firths are experts in super claims and challenge the large insurance companies every day. If you are unsure if you qualify to make super claim, contact Firths on 1800 631 888 and our team of experts will provide a you free super claim assessment.  

What about the National Disability Insurance Scheme (NDIS)?

The NDIS provides any Australian under 65 with reasonable support to live their lives. You must have a permanent disability and be a permanent Australian resident to qualify for the scheme. The NDIS has many benefits, but it may not cover all your expenses and needs. If you have super insurance, you are required to claim on your superannuation TPD policy when making an application for the NDIS.

Contact Firths if you are considering applying for the NDIS as our team of experts can assist with your application and make claims on any super insurance policies that you may hold.

I have more than one superannuation account, can I make multiple super claims?

Yes, if each of your super accounts has TPD cover then you can make a claim against each of the TPD policies. Many Australians have multiple superannuation funds that include separate TPD insurance policies. In fact, Firths have had instances where people have been able to make 5 successful super claims.

If you are unsure if your superannuation account include TPD cover, contact Firths and we can find out for you.

I have a workers’ compensation claim; can I also make a super claim?

Yes, your super claim will not affect your worker’s compensation claim. Workers compensation is a statutory benefit and your super insurance is not conditional on you only receiving compensation from one institution. However, the benefit you receive from your insurer may be impacted by workers compensation claims.

I have a motor vehicle accident compensation claim; can I also make a super claim?

Yes, CTP insurance is a state-based insurance scheme for motor vehicle accident injuries and is not affected by making a super claim.

How can I ensure a successful super claim?

Making a super claim can be complex, stressful and time consuming if you do not have expertise in making insurance claims. The insures usually have lawyers acting for them when challenging super claims, so why wouldn’t you.

Firths have built up an enviable reputation as the leading super claim firm, as recognised by insurers in this area. As a consequence of our leading judgments and expertise, this results in obtaining decisions from the superannuation funds and their insurer in a timely manner to pay out our client super claims, or to proceed to a court hearing in appropriate circumstances.

Read our client testimonials and see how we have been able to help our clients successfully fight the large insurers and recover payouts for super claims..

If we believe you have a super claim worth fighting for, we will act on a No Win No Fee basis, which means we make no charge until the end of your case and then only from the result, but we also make it a priority to recover as much of your legal costs as possible from the insurance company. This maximises the amount of compensation you receive.

Call the Firths the super claim experts on 1800 631 888 and receive the best legal advice and representation to provide you the best chance of winning your superannuation claim.



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