Income Protection Claims
Income protection insurance provides a fixed amount or a percentage of your pre-disability income if you are unable to work. Typically, there is a short waiting period before payments begin, and coverage generally lasts for at least two years, with payments made fortnightly or monthly. However, some policies extend coverage for up to five years or until a specified age, such as 55, 60, or 65.
You can usually lodge an income protection claim even if months or years have passed since you stopped working, with payments backdated to the end of the waiting period. In most cases, making an income protection claim does not impact your ability to lodge a Total and Permanent Disability (TPD) claim.
Why Choose Superlaw Claims
Superlaw Claims is one of Australia’s most experienced experts in Total Permanent Disability (TPD) claims. Dedicated to supporting our clients with their claims, we help you achieve faster positive outcomes. Expect personalised support from a highly skilled and caring team with no call centres or automated responses. From the start, you’ll receive the right help to guide you through the process with confidence.
3 Easy Steps to see how much you could claim
Start your free online claim check
- Preparation – Our experienced team will prepare your claim for you to maximise your chances of a successful outcome. This includes gathering all necessary medical and supporting information to to make the claim as fast as possible.
- Transparency – Expect to receive regular contact and communication to keep you updated on key developments in your claim.
- Support – Most of the work is handled for you, so you can focus on what matters most – your health
We take care of All the hard work for you
Leave the hard work to us. We’ll deal with insurers, manage the paperwork to speed up your claim and fight to secure every dollar you’re entitled to. You don’t pay us a cent until your claim is successful. And it’s a fixed-fee which we agree on upfront so there are no surprises.
Receive your payment and move forward with confidence
- Communication – Our Superlaw Claims team will push the insurer to make a fast decision.
- Next Steps – Once the insurer makes a decision, you will receive further advice on the next steps.
Our Promise To You
Fast and simple
No Win No Fee
Fix Fee contracts
Great Results 1B+ won for clients
50+ Years' combined experience
FAQs
Did you know that most people don’t know what insurance coverage they have or how to access it? These are some of the most frequently asked questions from our clients:
No.
When you make a claim, it’s money from an insurance policy.
The insurance payout is in addition to your super fund retirement savings.
Yes.
TPD can usually be claimed, as well as Workers’ Compensation or Income Protection insurance. Getting expert advice before making a claim is crucial to getting everything you’re entitled to.
No.
Most TPD claims will not affect your Centrelink. TPD claims do not affect NDIS. Some types of claims will affect Centrelink, such as income protection claims. Let us advise you on your best options.
Yes.
In most cases, you will be fully covered if you:
- Previously worked without restrictions or limitations, and
- Had insurance when your injury or illness caused you to stop working
Yes.
You can usually claim even if your super account is now closed and even if you stopped working a long time ago. The cover you have can be checked for free by our team.
Claims can be lodged years after you stopped working if your injuries or illness are likely permanent.
Super funds and insurers sometimes tell people, "You're too late". However, this is often incorrect. We can check your coverage even if it has been a long time since you worked.
Yes.
All super funds you were a member of when you stopped work can be claimed if there was insurance.
Yes.
Claims for TPD and income protection can be made for all types of medical conditions, not just injuries. Our team have helped thousands of people with various medical conditions, including the following:
- Multiple sclerosis
- Motor neurone disease
- Major depression
- Parkinsons disease
- Arthritis
- Visual dysfunction
- Dementia
- Huntington’s disease
- Muscular dystrophy
Very unlikely.
More than 9 out of 10 claims are accepted without going to court. However, you
will maximise your chances of both your claim being accepted and a speedier
time to complete it, if you use a skilled and experienced lawyer to act on your
behalf. Unfortunately, some insurers regularly use delay tactics to try to wear
down claimants in the hope they will give up. Our team is committed to providing
the support you need to ensure this doesn’t happen.
What to expect from us:
- Free chat
- Free expert advice from our caring team
- Free check of your insurance cover
- No Win, No Fee.
