Margalit Injury Lawyers
There's more to super than just retirement.
Get help with your insurance claim
If you’re working (or have worked in the past), there’s a good chance you have disability insurance cover through your superannuation—even if you didn’t apply for it or know it exists.
The most common types of insurance cover through superannuation are:
Total and Permanent Disability (TPD) Insurance
Provides a lump sum payment if you’re permanently unable to work due to a medical condition or injury.
Income Protection Insurance (Salary Continuance)
Offers ongoing payments to replace a portion of your income if you’re unable to work temporarily due to an illness or injury.
Death Insurance
Pays a lump sum to your beneficiaries in the event of your passing.
This cover can provide a lump sum payment if you’re unable to work due to injury or illness.
To speak to a lawyer directly, Call: (03) 9133 0288 or request a call back at a time that suits you.
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What Can I Claim?
Depending on your situation, you may be able to claim:
- A lump sum payment if you’re permanently unable to work
- Income replacement payments if you’re temporarily unable to earn a salary
- Additional benefits that align with your specific insurance policy and coverage
Even if you’re unsure about your entitlements, our team can help review your superannuation policies to identify your coverage and ensure you receive the financial support you’re eligible for.
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Do I need a lawyer?
Navigating insurance claims through superannuation can be complicated and time-consuming. While you’re not legally required to have a lawyer, having expert legal support can make a significant difference in the outcome of your claim.
Here’s why a lawyer can help:
Understanding complex policies
Superannuation insurance policies can be difficult to interpret. Our legal experts can help you understand your entitlements and guide you through the fine print.
Building a strong case
Lawyers know what evidence is needed to support your claim. We’ll ensure your application is presented with all the necessary documentation, reducing the risk of rejection.
Avoiding delays
Claims can take months—or even years—without the right expertise. We’ll handle the process for you, streamlining the submission and follow-up to secure the best possible outcome as quickly as possible.
Challenging rejected claims
If your claim has been denied, our team can review your case, identify gaps in the insurer’s assessment, and fight for your rights.
Unsure about next steps? Call: 03 9133 0288 for a no-obligation appointment or chat with our team.
Enquire nowWhat to expect?
1. Assessing your eligibility
We start by determining if you’re eligible for a claim. Our team will help identify your insurance cover through your superannuation or other policies.
2. Building a strong case
Our legal experts gather all necessary evidence to support your claim. We prepare and lodge your application with your fund and insurance provider, ensuring it’s presented in the strongest possible terms.
3. Tireless pursuit
We advocate relentlessly on your behalf, fighting to secure the maximum benefit for you. Our goal is to achieve a quick and hassle-free outcome, allowing you to focus on your recovery.
Frequently asked questions
1. Does my condition need to be caused by someone or something to claim?
No. Unlike Workers’ Compensation or Motor Vehicle Accident claims, insurance claims through Super do not require you to prove fault. Any medical condition that prevents you from working may qualify. It does not matter whether your condition is work-related, caused by an accident, or a non-work illness such as cancer, neurological disorders, or heart disease. This broad coverage is why insurance through Super is often so important for many people.
2. Will I have to go to Court for a Superannuation insurance claim?
Most likely, no. The majority of Super insurance claims are settled directly with the fund or insurer, without ever going to court. Unfortunately, some claims do get rejected or withdrawn due to the stress of the process. Our experience and expertise help ensure your claim moves forward quickly—minimising delays, stress, and unnecessary complications.
3. What if I have another claim or have already settled one?
In most cases, you can have both a compensation claim and a Super insurance claim at the same time. We will assess your situation to ensure that one claim will not negatively impact the other. Even if you have already settled a compensation claim, you may still have the right to lodge a Super insurance claim. In fact, the evidence gathered for your settled claim can often strengthen your Super insurance claim, making the process smoother and better informed.
4. Do time limits apply?
Unlike many other compensation claims, Super insurance policies can allow you to file a claim even if you stopped working years ago. That is why we investigate entitlements for people who left the workforce as far back as the early 2000s (and sometimes even earlier). However, it is best to start the process sooner rather than later—especially if your previous claim was rejected. Rejected claims often face stricter deadlines, so seeking urgent legal advice is recommended. Our team can help you understand any time limits in your policy and guide you through the next steps to ensure you do not miss out on potential benefits.
5. What if my claim is rejected?
If your claim has been rejected, we understand time of importance..
Our team can help you:
– Challenge rejected claims
– Identify gaps in evidence or insurer assessments
– Avoid drawn-out conflicts so you can focus on recovery
No case is too hard for us. If you’ve been turned away by other firms or had your claim previously rejected, we’re here to help.
Start Your Insurance Claim Today
Don’t let the stress of navigating insurance through superannuation add to your challenges. Let Margalit Injury Lawyers help you secure the support you need.
CALL NOW FOR A FREE
CONFIDENTIAL CONSULTATION
03 9133 0288
Discuss your claim with an expert
Why Choose Margalit?
– No win, no fee – We don’t get paid, unless you do
– Experience in handling rejected and complex cases
– We connect you to a lawyer directly, so you can get the right advice with no delays
– Our Superannuation experts work with clients Australia–wide
CALL NOW FOR A FREE
CONFIDENTIAL CONSULTATION
Call 03 9133 0288