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Do I have a superannuation life insurance or disability claim?

There are many different types of insurance related claims if you have suffered injury or illness and are no longer able to work. Generally speaking there are four types of benefits that you may be able access, depending on your circumstances and insurance policies that you hold:-

  • Total and permanent disability – TPD – if you are sick or wounded and are off work for three months or more, you may be eligible for a TPD insurance benefit;
  • Income protection – these are some times called total and temporary disability or temporary salary continuance claims. If you have this type of insurance and can’t work you may be able to receive a benefit for a set period of time that pays up to 7% of your gross income;
  • Trauma claims – if you have been diagnosed with a defined medical condition and suffer specific ailments, you may be able to receive a lump sum regardless of whether you continue to work or not.
  • Life insurance or death benefit claims – a lump sum will be paid to a nominated person upon the insured’s death.

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Disclaimer: This publication is general guidance only and does not consitute legal advice. You should seek specific advice before relying on anything contained in this document.