FAQs

1. TPD (Total and Permanent Disability) Claims

Q1: What is a TPD Claim?
A TPD (Total and Permanent Disability) claim is made when a person can no longer work due to injury or illness. It provides a lump-sum payment through your superannuation fund or insurance policy to help cover living costs, medical expenses, and any other financial obligations.

Q2: Who qualifies for a TPD claim?
Eligibility usually requires being unable to perform your usual occupation or any suitable employment based on your skills, training, and experience. Each fund has specific definitions, so it’s important to review your policy documents.

Q3: How long does a TPD claim take to process?
Timeframes vary, but on average, TPD claims can take a few months to a year. Prompt submission of all required documents often helps speed up the process.

Q4: Can I claim TPD if I already have other disability coverage?
Yes. If you have multiple insurance policies or superannuation funds, you may be able to lodge more than one TPD claim. Our team can guide you through the details.

2. Income Protection Claims

Q1: What does Income Protection cover?
Income Protection provides regular payments to replace a portion of your income if you’re unable to work due to illness or injury. This financial support can help cover essential bills and living expenses.

Q2: How do I lodge an Income Protection claim?
Reach out to your insurer or superannuation fund to start the claim process. You’ll need medical documentation and proof of employment income. Our Claims Specialists at ThankYouSuper.com.au can handle these steps on your behalf.

Q3: What if I can still work part-time?
Some policies allow you to receive partial benefits if you’re only able to return to work on reduced hours. The terms depend on your policy’s specific clauses.

Q4: How long do Income Protection payments last?
Depending on your policy, benefits could be paid for a set duration (e.g., two years) or until a specified age (e.g., 65). Review your policy for exact timeframes.

3. Death Benefit Claims

Q1: What is a Death Benefit Claim?
A Death Benefit Claim provides financial support to the beneficiaries of a deceased superannuation member or policyholder. It may cover funeral expenses and help replace lost income.

Q2: Who can make a Death Benefit Claim?
Typically, eligible beneficiaries include spouses, children, or dependents. In some cases, a legal personal representative can also lodge the claim.

Q3: How do I know if I’m an eligible beneficiary?
Check the deceased member’s binding nominations or contact their super fund. If the nomination isn’t binding or valid, the fund’s trustee will decide who receives the benefit according to law.

Q4: What documents are required?
You’ll generally need a death certificate, proof of relationship, and other relevant documents. Our advisors can guide you on exactly what’s needed.

4. No Win No Fee

Q1: What does No Win No Fee mean?
Our No Win No Fee policy means you won’t pay any upfront fees for legal or claim assistance. You only pay if we successfully settle or win your claim.

Q2: Are there any hidden costs?
We’re transparent about our fees. If your claim is successful, our costs are deducted from the settlement. Any out-of-pocket expenses are detailed upfront.

Q3: Can I use No Win No Fee for all claim types?
Most superannuation and insurance claims are eligible for this arrangement. We’ll review your case individually to confirm eligibility.

Q4: How do I get started with a No Win No Fee claim?
Contact us to discuss your claim. We’ll assess your situation, explain the process, and confirm whether No Win No Fee applies to your case.

5. Denied Insurance Claims

Q1: Why was my insurance claim denied?
Common reasons include insufficient evidence, missing paperwork, or policy exclusions. Sometimes, insurers may interpret policy definitions narrowly. We can help investigate the cause.

Q2: Can I appeal a denied claim?
Yes. You have the right to dispute and appeal a denied claim. Our team can prepare and present new evidence, communicate with the insurer, and represent you during negotiations.

Q3: What if my insurer refuses to reconsider?
In such cases, you can escalate to external dispute resolution bodies. We’ll guide you through every step of the process to ensure your rights are protected.

Q4: How long do I have to dispute a denied claim?
Deadlines can vary based on your policy and jurisdiction. Contact us as soon as possible to avoid missing important deadlines.

6. Terminal Illness Claims

Q1: What is a Terminal Illness Claim?
A Terminal Illness Claim allows you to access your superannuation or insurance benefits early if you’ve been diagnosed with a terminal condition. This can provide crucial financial support.

Q2: How do I prove a terminal illness?
You’ll typically need medical certificates from two qualified doctors, one being a specialist. Our team can help gather and submit these documents.

Q3: How quickly can I receive funds?
While policies vary, some claims can be processed relatively quickly due to the urgency of terminal illness situations. Timely submission of all documents is key.

Q4: Can I claim TPD and Terminal Illness simultaneously?
In some instances, you may be eligible for both. Each policy has its own definitions and conditions, so consulting a professional is essential.

7. Lost Super Search

Q1: What is Lost Super?
Lost Super refers to unclaimed or inactive superannuation accounts. Funds often become “lost” when changing jobs, addresses, or super funds.

Q2: How do I find my Lost Super?
Using the ATO’s online service via MyGov is a common method. At ThankYouSuper.com.au, we also offer assistance in locating and consolidating your super accounts.

Q3: Can I access my Lost Super early?
Generally, you must meet standard superannuation release conditions (such as retirement or severe financial hardship). For specific cases like terminal illness, claims can be made earlier.

Q4: How do I consolidate my found super accounts?
We can help you roll multiple super accounts into a single fund. This often reduces fees and makes it easier to manage your retirement savings.

Need More Help?

At ThankYouSuper.com.au, we are dedicated to making your superannuation and insurance claim process as smooth as possible. If you have further questions or need assistance, contact us today. Our experienced specialists are here to provide guidance every step of the way.