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Established in 1987, Hostplus is an industry super fund for Australia’s hospitality, travel, recreation, and sports sectors.
One of the biggest superannuation funds in Australia, Hostplus has more than a million members and manages $50 billion in assets.
Club Super and Hostplus merged in 2019. Following this, Intrust Super and Hostplus merged in 2021.
Statewide Super and Hostplus combined in 2022.
If you join Hostplus 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 generally offered until age 65.
Some occupations are excluded from the default Hostplus TPD insurance offer.
Hostplus 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 Hostplus members we speak to have total and permanent disablement cover to help them with a potential large lump sum benefit at a difficult time.
To make a successful Hostplus TPD claim, you need to be off work for at least 6 months, and then convince its insurer that you are unlikely ever to be employed or engaged in any gainful occupation, business, profession or employment for you are reasonably suited by education, training or experience.
Hostplus also offers terminal illness claims if you are medically certified as having a condition likely to result in your death within 24 months.
It’s also worth noting that if you were a Club Super, Intrust Super and/or Statewide Super member and ceased work prior to merging with Hostplus, you may have different insurance entitlements with different insurers.
Know your rights.
If you are yet to make a Hostplus insurance claim, or are unsure if you have insurance with Hostplus, 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.