Insurance & Super
Most Superannuation funds contain an insurance policy to financially protect a worker should they be injured and unable to work temporarily or permanently. Such benefits are known as ‘disability benefits’, and will either be processed as a Total and Permanent Disability payment or an Income Protection payment. In the unfortunate event that the worker dies, their surviving family members may be eligible for ‘death benefits’ also paid out of superannuation insurance or a private life insurance policy if there is one. Many Australian’s are not aware that they are likely entitled to such benefits, which leaves them at a disadvantage should they ever find themselves unable to work due to illness or injury.
Entitlements may include lump sum amounts or ongoing benefits, depending on the policy provider and the type of benefit claimed. When claiming from your superannuation fund or insurance policy, it is important that close attention is paid to the wording of the policy, time limitations and evidentiary requirements. Insurance providers often make it difficult to access benefits and it is also not uncommon to be faced with a situation where your claim has been denied and you wish to appeal the decision. These are just some of the reasons people frequently seek legal advice when pursuing such claims.
The injured worker will usually be eligible to make a claim under superannuation even where they are already on workers compensation, motor vehicle injury compensation or some other type of disability support. In order to understand the options available to you, you may wish to take advantage of one our free initial consultations with a Brisbane Personal Injury Lawyer.
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