Dù ai cũng biết những cá nhân bị thương khi gặp phải tai nạn giữa ô tô với nhau có...
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Aware Super is an Australian superannuation fund headquartered in Sydney. With $150bn under management and over 1 million members, it is Australia’s third-largest superannuation fund.
It was initially established in 1992 as First State Super to provide superannuation benefits to New South Wales government employees. First State Super became a public offer fund on 1 May 2006, opening up membership to anyone eligible to receive superannuation benefits.
In 2012, First State Super merged with Health Super, a not‐for‐profit superannuation fund for workers in the health and community services sector.
On 1 July 2020, First State Super and VicSuper merged to become Aware Super. Shortly after, on 3 December, 2020, WA Super merged with Aware Super.
If you join Aware Super through a participating employer, you’ll usually get automatic death and total and permanent disability (TPD) cover if you are over 25 years old and have $6,000 or more in your super account. Cover for death and TPD with Aware Super is offered until at 70.
Aware Super does offer income protection insurance, but it is not offered by default, meaning you must have opted-in to IP cover. Sadly, most people we speak to realise too late that they needed IP cover.
Thankfully, most Aware Super members we speak to have total and permanent disablement cover.
To make a successful Aware Super TPD claim, you need to be off work for at least 3 months, and then convince its insurer that you are unlikely ever to engage in or work for gain or reward in any occupation or employment for which you are reasonably qualified by reason of education, training or experience.
NSW Police Officers and NSW Ambulance Officers have specific insurance arrangements, and you should seek advice as to your entitlements.
Know your rights.
If you are yet to make an insurance claim with Aware Super, or you are unsure if you have insurance with Aware Super, you are entitled to legal representation and Littles can help you.
If you have already lodged a claim and it has been rejected by a superannuation fund or insurer, you may be entitled to have the decision reviewed through an internal resolution procedure.
If your complaint has been upheld, you may be able to litigate in a court or lodge a complaint with the Australian Financial Complaints Authority (AFCA).
There are strict time limits to challenge an insurer’s decision, so it’s important you seek legal advice as soon as possible.
Put simply, Littles are experts in superannuation and insurance law matters.
Our insurance team has helped thousands of consumers claim their entitlements, and our Head of TPD and General Insurance has extensive industry knowledge and insight on how to maximise your prospects of success.
We also speak your language, at sixteen languages and counting. Forget paying for a translator or for a lawyer who doesn’t understand you and your cultural background.
All our superannuation and insurance law matters are conducted on a no win, no fee basis, and we don’t charge you upfront for any disbursements necessary to prosecute your claim. If you would like superannuation and insurance law advice, reach out to Littles today by using our free Claim Checker.
Littles’ Head of TPD and General Insurance, Rowan McDonald, is an expert in insurance and superannuation law. Rowan is an experienced litigator and has prosecuted thousands of successful insurance claims for consumers.
Having worked in the insurance industry for over fifteen years, Rowan has an extensive industry contact list and regularly presents to disability support groups, financial industry professionals and multicultural organisations.
Rowan has also advised some of Australia’s top insurers, giving him unrivalled insight into the claim process from all perspectives. Rowan takes a pragmatic and common-sense approach to the advice he provides his clients.
For your free, personal consultation get in touch with Rowan today.
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