We’re here to help with your IP claim
IP insurance pays a financial benefit when you’re temporarily unable to work due to an injury or illness.
You may have taken out IP insurance yourself or you may not be aware that it was provided through your superannuation, bank, lender, or employer. We can help you find out.
At Claimsplus, we understand the difficulties that come with an injury or illness. That’s why we offer a free Income Protection (IP) claim assessment to help you determine your eligibility for benefits through your superannuation.
Am I Eligible for an Income Protection Claim Within My Superannuation?
Your eligibility for an Income Protection (IP) claim within your superannuation depends on the terms of your insurance policy.
- Active employment: You must be actively employed when you become unable to work due to an injury or illness.
- Waiting period: Most IP policies have a waiting period, which is the amount of time you must be unable to work before you can start receiving benefits. This waiting period is typically between 14 to 30 days.
- Evidence of disability: You must provide evidence of your disability and that you are unable to perform the duties of your occupation or any other occupation for which you are suited by education, training, or experience.
- Policy terms: You must meet the terms and conditions of your policy, including the policy’s definition of disability and any exclusions or limitations.
To understand the coverage of your IP insurance policy, review your IP policy carefully and seek the advice of an expert such as Claimsplus.
When life throws unforeseen challenges your way, such as illnesses or injuries that prevent you from working, knowing you have a financial safety net is invaluable. Claimsplus specialises in supporting individuals through an income protection claim, ensuring that your financial wellbeing is preserved during tough times.
Expert Guidance on Income Protection Insurance Claims
Our team of seasoned income protection insurance lawyers is adept at navigating complex standalone and super income protection insurance claims. With Claimsplus, you gain a partner committed to providing stability and securing the benefits you deserve.
Why Choose Claimsplus for Your Income Protection Claim?
- Specialised Expertise: Our focus on income protection insurance claims means we understand the nuances and legalities of claiming income protection through super and other channels.
- Comprehensive Support: From the initial assessment to the final settlement, our income protection insurance lawyers are with you at every stage, ensuring a smooth and effective claim process.
- No Win, No Fee: We are committed to delivering results. Our no-win-no-fee policy underscores our confidence in securing your entitlements, making professional legal support accessible to all.
FAQs on Income Protection Claims
What is an income protection claim?
An income protection claim allows you to receive financial benefits if you are temporarily unable to work due to injury or illness. It typically pays around 75% of your normal wage or salary for a specified period.
How do I claim income protection?
To claim income protection, you need to contact your insurer or super fund, provide evidence of your injury or illness, and submit the required documentation as per your policy"s terms and conditions.
What is an income protection insurance claim?
An income protection insurance claim is the process of seeking financial benefits from your income protection policy when you are unable to work due to illness or injury. This claim can be made through standalone policies or superannuation.
Who can help with income protection insurance claims?
Income protection insurance lawyers specialise in navigating the complexities of these claims. They can guide you through the process, ensuring you meet all requirements and maximise your entitlements.
Can I claim income protection through super?
Yes, claiming income protection through super is possible. Many superannuation funds offer income protection insurance as part of their policy, providing financial support if you are unable to work.
What is super income protection insurance?
Super income protection insurance is a type of policy provided through your superannuation fund. It offers financial benefits if you are temporarily unable to work due to injury or illness, ensuring a steady income during recovery.
What are the eligibility criteria for an income protection claim within super?
To be eligible for an income protection claim within super, you must be actively employed when the injury or illness occurs, meet the policy"s waiting period, provide evidence of your inability to work, and comply with the policy terms.
How do I apply for super income protection insurance?
To apply for super income protection insurance, review your super fund"s policy details, gather necessary medical evidence, and contact your super fund to submit a claim.
What documentation do I need for an income protection insurance claim?
You need medical evidence of your injury or illness, proof of employment, and any other documents specified by your income protection policy or super fund.
Why choose Claimsplus for your income protection claim?
Claimsplus offers specialised expertise, comprehensive support, and a no-win-no-fee policy, ensuring you receive professional assistance without upfront costs. Their team of income protection insurance lawyers is dedicated to securing the benefits you deserve.
How Much Can I Claim?
Eligible policies will typically pay around 75% of your normal wage or salary for a set period, usually 2 or 5 years.
Why Make an Income Protection Claim Through Your Super?
In times of need, financial support can be critical. An IP claim through your superannuation can help cover daily living or medical expenses and provide peace of mind.
Many Australians have IP insurance coverage through their superannuation, which is why we advise you to check your eligibility.
It’s important to note that TPD claims and IP claims can generally be made at the same time.
Explore Our Specialist Services: Income Protection Claim & More
At Claimsplus, our expert team of Australian super insurance claim lawyers provides comprehensive support across various claims. With a deep understanding of the intricacies involved in superannuation and insurance, we offer specialised services to meet your unique needs and ensure a smooth and successful process.
- Income Protection Insurance Claims: Our income protection insurance lawyers are skilled at navigating the complexities of claiming income protection through super. We guide you through every step to secure the financial support you're entitled to.
- TPD Insurance Claims: Total and Permanent Disability (TPD) claims can provide a crucial financial lifeline if you cannot return to work. Our seasoned lawyers have a proven track record of successfully managing these claims, helping you to access the benefits you need for peace of mind and financial security.
- Access Your Super Early: In certain circumstances, you may be eligible to access your superannuation early. Whether for financial hardship, specific medical conditions, or other qualifying reasons, our team can advise on your eligibility and assist with the process, ensuring you understand every option available.
Ready to Start Your Income Protection Claim?
Navigating an income protection insurance claim can be daunting, but you're not alone. Claimsplus is here to provide expert legal advice and support, making the process straightforward and stress-free. Reach out to our team of income protection insurance lawyers and take the first step towards safeguarding your financial future today.
Why Make an Income Protection Claim?
- Loss of income: If you’re unable to work due to illness or injury, IP insurance can provide you with a steady source of income to help support you and your family.
- Protection of savings: IP insurance can help you avoid dipping into your savings or relying on credit cards to pay bills when you’re unable to work.
- Maintaining lifestyle: IP insurance can help you maintain your standard of living by providing you with an ongoing income stream.
- Peace of mind: Knowing that you have IP insurance in place can give you peace of mind, knowing that you and your family will be protected if you’re unable to work.
- Meeting obligations: IP insurance can help you meet your financial obligations, such as mortgage payments or rent, even if you’re unable to work
Claimsplus can help with your IP claim within super, simply
Making an Income Protection (IP) claim through your superannuation with our law firm can be a straightforward process. Here’s how you can make an IP claim with us:
Step 1
Start your free claim check online, or contact us for a callback.
Step 2
Tell us about your situation and authorise us to assess your entitlements.
Step 3
We’ll investigate your claim and promptly inform you of its value.
Throughout the process, our team of IP claim lawyers will be with you every step of the way, providing guidance and support and ensuring that your rights are protected.
Contact us today to schedule a free consultation and take the first step towards securing your IP benefits.
We recommend you seek legal advice prior to lodging an IP to ensure you maximise your entitlements.
In 2021 the average industry average acceptance rate for Income Protection Insurance claims was 95%.
Source – Insurance Watch Pty Ltd
37,465
Number of claims paid
95
Proportion of claims paid
4,342
Amount paid
Source – APRA Life Insurance Claims and disputes statistics
