If you are temporarily unable to work due to ill health you may have a good entitlement to an income protection claim.
Income protection insurance usually pays a percentage of your pre-illness wage for a set period, usually two or five years.
Some Australian superannuation funds offer income protection insurance to all members by default, so you may have been paying premiums without realising.
We’ve done hundreds of income protection claims, so let us help you at your most vulnerable.
Have you recently received a terminal diagnosis? Or has a loved one recently passed?
If so, you may be entitled to make a claim for any life insurance that you or your loved one held.
We’re experts with life insurance and terminal illness claims and can help reduce your stress and angst at your most challenging time.
If you’ve been diagnosed with a serious medical condition and have previously taken out trauma or critical illness insurance with an insurer or financial planner, you may be able to claim on your policy.
These policies are notoriously challenging, with insurers frequently relying on finicky or archaic policy wording.
Littles can help with any trauma or critical illness policies, letting you focus on your medical treatment and getting better.
Have you received a Military Super Invalidity Benefit classification from the Commonwealth Superannuation Corporation (CSC) that you disagree with?
We can assist with making an initial claim or challenging the CSC’s determination of your Invalidity class.
Contact Littles to discuss your circumstances.
Don’t let the fine print stop you from getting the help you need to cover your medical, rehabilitation, and other associated costs, and get on with your life without the additional stress of money worries.
It will depend on the type of insurance that you have, and the insurance policy, but in addition to completing the relevant claim form, you’ll generally need:
Your insurer might also require you to do provide other documents, including about your finances and health history. They may also ask you to attend a ‘factual interview’ or to see a doctor nominated by them. Dealing with insurers’ requests can be complex and stressful, and it can often feel like they are using it to find loopholes so that they can reject your claim. At Littles, we are insurance law experts and can manage all communications with your insurer. If you need help, we’re here for you: <insert contact details>.
There is a possibility you may need to see the insurer’s nominated doctor and/or undergo independent medicolegal examination, depending on your claim and your policy. We can help you understand the fine print in your policy, and if necessary, talk you through the process of being seen by the insurer’s doctor. Let Littles help.
Yes. You can lodge an internal dispute and the insurer has 45 days to provide a response. If the complaint is to a super fund, they have 90 days. However, reviews and appeals can be very complex, and often seeking expert advice can be the key to being successful. If you are unhappy with how your insurer or super fund has dealt with your claim, get in touch with Littles to see how we can help
Yes. You can appeal to the Australian Financial Complaints Authority (AFCA). You may also be able to pursue your claim through a court. However, reviews and appeals can be very complex, and important time limits may apply, which your insurer might not warn you about. If you want to appeal a decision, Littles can help.
An expert insurance lawyer can make a significant difference to your claim. Your Littles expert can:
Most insurance policies require that a claim be lodged as soon as possible after the ‘insured event’, and it’s always best to lodge a claim straight away. However, there are a range of legal avenues that may allow claims to be successful years later. Either way, if you think you might have a claim, it’s worth obtaining expert advice about what your options are.