Income Protection Claims

To be eligible to lodge an income protection claim, you first need to ensure cover was active at the date you became totally or partially disabled from performing your own occupation.

Next, we will need to refer to your superannuation policy or insurance policy schedule to determine your waiting period, which can typically range from 12 to 90 days. The waiting period is the period of time you must wait from when you become unable to work before you are eligible to lodge a claim for total or partial disability benefits thereafter.

It’s important however, to always check the terms of your policy to note any additional requirements as part of your cover.

If you have suffered an injury or an illness, it is important that you seek appropriate medical treatment as soon as possible and continue to receive treatment as recommended by your healthcare professional.

Check your records for any superannuation fund statements or insurance policy documents and contact Brydens Lawyers for a free consultation.

Generally, you are able to claim a monthly benefit or a percentage of your pre-disability income in the event you are totally or partially disabled from working in your own occupation. If you have been off work for longer than your waiting period and are yet to claim, you may be entitled to claim benefits retrospectively.

We are experts in interpreting complex policy documents and have a thorough understanding of the claims administration process. We are able to guide our clients through the claims process, ensuring maximum benefits are paid under an income protection policy.

Our lawyers will assist you in simplifying the claims process by looking after an insurance claim with a super fund/insurer from start to finish, which includes making initial investigations, reviewing applicable policy document(s), liaising with doctors and other third parties to obtain relevant evidence, and communicating with the superannuation fund/insurer throughout the duration of the claim process.