News > 10 Common Mistakes to Avoid When Filing a Superannuation Insurance Claim

Articles | May 3, 2024

Filing a superannuation insurance claim can be an important step towards financial recovery when you’re unable to work due to illness, injury, or disability. However, the process can be tricky, and errors can delay or even derail your claim. Here’s a rundown of ten common pitfalls to avoid, ensuring your claim process is as smooth as possible.

1. Not Understanding Your Superannuation Insurance Policy

One of the most frequent stumbling blocks is needing to fully understand what your super insurance covers. Each policy has specific terms that outline eligibility for claims like Total & Permanent Disablement (TPD), Income Protection (IP), or Death benefits. Before you begin your claim, ensure you know the ins and outs of your policy. Consulting with a professional who specialises in superannuation insurance claims can provide invaluable clarity. If you need guidance on how to submit your claim we recommend reading through our Australian super insurance guide.

2. Incomplete Superannuation Claims Forms

Submitting forms that are incomplete or incorrectly filled out is a common error that can cause significant delays. Take the time to double-check that all required sections are completed and accurate. If you’re unsure, ask a superannuation insurance claim lawyer for help.

3. Insufficient Evidence

Supporting evidence is crucial in substantiating your superannuation insurance claim. This includes detailed medical reports, a comprehensive work history, and any relevant personal documentation. Insufficient evidence can weaken your claim, so it’s vital to gather as much relevant information as possible.

4. Missing Deadlines

Each insurance policy has deadlines that must be adhered to, from notifying your insurer about the claim to submitting the necessary documentation. These deadlines can ensure your claim is met, so keep a detailed calendar of all key dates.

5. Not Disclosing Previous Conditions

When claiming super insurance, it’s important to be honest and transparent. Failure to disclose any pre-existing conditions or past claims can lead to a claim being denied. Honesty is always the best policy when it comes to insurance claims. Full disclosure can prevent issues later in the claims process.

6. Poor Communication

Keeping in regular contact with your insurer during the claims process is essential. This means responding promptly to requests for additional information and keeping track of all communications. Good communication can prevent misunderstandings and provide a record of your interactions.

7. Accepting the First Offer

If your superannuation insurance claim is approved, you might receive a settlement offer. It’s important to consider whether this offer adequately covers your needs. Consulting with a specialist can help you understand if the offer is fair, based on the specifics of your case and similar claims.

8. Not Seeking Professional Help

The superannuation claims process can be complex, and going it alone can be daunting. Claims Plus offers expert guidance throughout your claim, ensuring you have the support you need to navigate the process effectively.

9. Overlooking Additional Benefits

Sometimes, policyholders need to be made aware of additional benefits they may be entitled to under their superannuation insurance. Review your policy for any such benefits or discuss potential extras with your insurer or a claims advisor.

10. Giving Up After a Rejection

A rejected claim is not necessarily the end of the road. There are often legal avenues and appeals processes available. A superannuation insurance claim expert can help you understand your options and the next steps to take.

Ready to Start Claiming Your Super Insurance?

Avoiding these common mistakes can increase the likelihood of a successful outcome for your superannuation insurance claim. If you’re preparing to file a claim or if you’ve run into difficulties with an existing claim, contact us. Claims Plus is dedicated to supporting you through every step of the claims process, ensuring you have the guidance and advice necessary to secure your entitlements.

Remember, when it comes to superannuation insurance claims, thorough preparation and professional support can make all the difference. Let’s ensure you’re set up for success from the start.