Many people are unaware that their superannuation fund most likely contains an insurance policy that will provide monetary compensation to a worker who is temporarily or permanently unable to continue working.

These superannuation disability benefits can be processed as either total or permanent disability payments, or as income protection payments. Both are assessed on whether the injury is serious enough to keep the employee away from work for a significant period of time.

How do I make a claim?

The majority of superannuation funds contain an insurance policy of some kind, although the details of the policy are often hidden in the fine print and difficult to find (often done intentionally by the fund). It is also not uncommon for the fund to deny claims with no valid reason.
It is therefore imperative that you get your lawyer’s advice before pursuing these claims.

When can I lodge a claim?

According to most superannuation insurance policies, you are able to lodge a claim in the event that you fall ill, suffer an accident or are involved in any other incident that stops you from being able to work. The policies vary between different funds, as some funds will stop insurance cover once you have stopped contributing to the fund, while others will continue your cover. However, the requirement in most of these policies is that you were covered at the time of the incident. This means that you may still be eligible for a claim if you have currently stopped working and are no longer insured.

What am I entitled to?
Your entitlements will naturally vary depending on your superannuation provider and the type of benefit you are trying to claim. The most common entitlements for permanent, temporary and income insurance are;

  1. Permanent disability – Often a significant lump sum will be paid out, this type of claim is also referred to as a total permanent disability payment
  2. Temporary disability – These claims usually result in monthly payments until you are able to return to work
  3. Income insurance – Usually about 80% of your average income, and can usually be paid for up to 2 years

It is also important to note that these claims are usually still available if you are already on workers compensation or another type of disability support.

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