Rejected or disputed claims

Rejected or disputed claims may not mean the end of the road. We’re here to help.

When a claim has been rejected, declined, or ignored, there may be legal options to recover what you’re entitled to.

Filing a super claim can be difficult and confusing without professional assistance. If your claim was denied, legal options may exist to recover your benefits. If your insurer has taken longer than 6 months to review your claim, you may have the ability to expedite it and claim your benefits.

Every situation is unique, and after evaluating your claim, we can offer guidance on the best course of action to secure your entitlements.

We may be able to help you if a superannuation fund trustee and insurer:

  • Has rejected your claim
  • Hasn’t made a decision

We may also be able to help you if:

  • Your employer failed to make superannuation contributions, and you lost your insurance cover
  • You received negligent insurance advice from a financial advisor or other professional.

What are the situations where rejected or disputed claims could be reviewed?

1. My super claim has been denied or rejected

The people who appraise your claim, trustees and insurers, must assess them fairly and reasonably and make decisions in good faith.

If an insurer overlooks crucial evidence, doesn’t give you a chance to respond to negative evidence, or interprets policy terms incorrectly, their decision may be challenged.

We can review your claim and the insurer’s decision and take on your claim if we believe it has a reasonable chance of success.

2. My financial adviser provided negligent insurance advice

Financial advisors are responsible for ensuring their advice is appropriate for your situation and in your best interest.

If your financial advisor or another professional failed to secure adequate insurance for you, misinformed you about policy changes, or caused you to lose insurance coverage, you may have a claim against them.

We can examine the facts of your case and determine if you have a viable claim against your financial advisor or another professional.

3. My employer failed to make super contributions, and I lost my insurance cover

Your employer is obligated to make mandatory superannuation contributions to your designated fund every quarter.

If your employer neglects to make these contributions, you could lose your insurance coverage, putting you in a vulnerable position. If your employer was supposed to open a superannuation account for you but failed, you may be able to recover your insurance entitlements from them.

In these scenarios, our team may be able to assist you in bringing a claim against your employer to regain the insurance benefits you lost.