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Has an injury or illness stopped you from working?

receive a Lump Sum payout from your superannuation Fund or insurance provider

Most super accounts include insurance that protects your income and provides a lump sum if you’re unable to work. Use our free online claim check to see what you or a loved one may be able to claim.

See What You Could Be Entitled To
click here to start your free online claim check

Claims Don’t Impact Your Super Balance or NDIS and Are Unlikely to Affect Centrelink

Making a claim doesn’t affect Centrelink or reduce your super

TPD Specialists

No win, no fee

$1B+ won
for clients

Serving Australia Wide

secure your financial future without impacting your Super

Most Australians can claim benefits if any health reason stops them from working in their usual job. We can help you or a loved one claim a lump sum payment from your superannuation insurance or other insurance provider.

Most people don’t realise these benefits are there to help when they need it most, but it’s exactly what we specialise in. Over the past 30 years we’ve helped 1000s of Australian’s receive over $1 billion in payouts.

Types of claims You may be eligible for:

Total and Permanent Disability (‘TPD’) Claims

If you or a loved one are unable to work in your usual job because of any injury or illness, we can help you determine if you are eligible to claim a lump sum payment from your superannuation or other insurance provider.

Income Protection Claims

Income protection insurance provides a regular income stream if you can’t work. Our team will find out if you have a policy as part of your super and are entitled to payments.

Death Benefits and Terminal Illness Claims

If someone you know has passed away we can help check their insurance cover and ensure that eligible benefits are provided to loved ones. If you or someone you care for is terminally ill we can help assess and pursue entitlements very quickly at this difficult time.

See What You Could Be Entitled To
click here to start your free online claim check

Claims Don’t Impact Your Super Balance or NDIS and Are Unlikely to Affect Centrelink

Making a claim doesn’t affect Centrelink or reduce your super

Here’s what you need to know about making a claim

Claiming income protection and TPD will not reduce your super balance.

Your injury doesn’t have to be work-related, any medical condition can qualify.

Making a claim usually wont affect your Centrelink.

You can usually claim alongside other compensation like Workers' Compensation or Compulsory Third Party (CTP) insurance claims.

You can usually make a claim if your super account has a low balance or has been closed.

You're still eligible to claim even if you stopped working years ago.

You can claim on multiple super funds.

Making a claim won’t impact your NDIS package.

About 9 out of 10 claims are accepted without going to court.

We handle all of the claims work for a fixed fee, which we tell you upfront. And the fee is only payable when your claim is successful.

See What You Could Be Entitled To
click here to start your free online claim check

Claims Don’t Impact Your Super Balance or NDIS and Are Unlikely to Affect Centrelink

Making a claim doesn’t affect Centrelink or reduce your super

Get Everything You’re Entitled to With Us on Your Side

Making a claim can feel overwhelming, but you don’t have to face it alone. For over 30 years our experts have been helping Australians secure the best outcomes with expertise, care, and dedication.

Here’s what you can expect from us:

We handle all the paperwork and legal details

We work quickly to get your claim paid out as fast as possible

We fight to secure the maximum payout you can get

We speak in plain English so you always know what’s going on

You won't pay anything upfront - we only charge a fixed-fee once your claim is successful, with the amount agreed upon upfront so there are no surprises

We’ve proudly helped thousands of Aussies Access lump sum payments when they need it most

For over 30 years, thousands of Australians have trusted our expertise to handle their claims and secure the best possible outcome for their financial future. Here’s what they have to say about working with us:

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Brandon W.

Verified Review

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Terry A.

Verified Review

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Kadin G.

Verified Review

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Alfonso H.

Verified Review

“Volutpat non leo et vel quis dignissim. Turpis hendrerit ipsum cras risus viverra auctor. Tincidunt et donec eu leo amet auctor sit consequat laoreet donec.”

Chance L.

Verified Review

Tap To See More Client Reviews
See What You Could Be Entitled To
click here to start your free online claim check

Claims Don’t Impact Your Super Balance or NDIS and Are Unlikely to Affect Centrelink

Making a claim doesn’t affect Centrelink or reduce your super

We’ve proudly helped thousands of Aussies Access lump sum payments when they need it most

For over 30 years, thousands of Australians have trusted our expertise to handle their claims and secure the best possible outcome for their financial future. Here are some of their stories:

$400,000 for terminal cancer and $300,000 from her husband’s death

Belinda contacted us about her diagnosis of cancer. Tragically, her husband had died of a sudden stroke a few months after Belinda was told she would not survive her cancer.  They had 3 kids, one of whom has special needs and was on the NDIS.

We extensively and quickly assessed what could be done. We were able to do this because there were both legal and medical complexity for Belinda and great urgency because her condition was terminal.

We prepared and lodged claims for Belinda’s husband’s death and that claim was accepted for a large lump sum. Arrangements were made for that $300,000.00 to be invested for the kids.We then obtained medical evidence about Belinda’s cancer and analysed her choices under the complex fund she was in. A claim was lodged for Belinda’s terminal cancer and was accepted weeks afterwards for over $400,000.00.  

We arranged for Belinda to obtain independent expert financial advice. The $400,000.00 plus Belinda’s account balance was invested for the kids before Belinda sadly lost her cancer battle a few months afterwards. One of the remarkable things about Belindas story is that she had been so focused onlooking after her kids that she had no idea of her entitlements of her husbands death nor of her own entitlements.

We were able to purse those and provide her with guidance on the right support for her own estate and the ongoing care of her children.

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$230,000 for complex mental health problems

Brenda had worked for many years in clerical and administrative jobs. But sadly, she developed mental health issues she couldn’t get over.  The doctors were helpful, but Brenda just couldn’t manage to keep her job.

Some insurance companies can be very sceptical about claims for mental illness – so its particularly important to have a team behind you that are experienced in this area of law and medical complexity. We spoke to her years after she stopped work and Benda had not realised she might have insurance cover.

We checked and the cover was over $230,000.00. Our caring and skilled team prepared and lodged a claim for Brenda.  The claim was accepted quickly which was great news or Brenda.

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$130,000 for mental health issues

Bill was a tradie. He’s worked hard all his life, but unfortunately, his mental health had suffered for many years. Despite great support from his doctors, Bill had to stop work – he went downhill and just couldn’t cope.

Some insurance companies can be very sceptical about claims for mental illness.

After getting to know Bill,  Toni and the team thought Bill would struggle to ever get back to work in the type of work that he did before.

We checked Bill’s super fund for insurance cover and found a policy which would pay over $130,000.00.
 
Our caring team then obtained all the medical evidence needed so we could make a claim for Bill, and the claim was lodged within 8 weeks of Bill first contacting us.  The fund then accepted the claim 6 weeks after we lodged it.
 
Bill tells us that the settlement will make a huge difference to his life.  He’s thankful we could tell him about cover he didn’t know he had, and get the claim accepted quickly.

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$450,000.00 for spinal injuries

Greg contacted us after trying for years to manage work after 3 big back operations.  He eventually couldn’t cope with heavier work on his feet, which is all he’d done after leaving school.

Greg had spoken to another law firm who didn’t get back to him after making promises.
Rod spoke to Greg straight away and was pleased that he could assure him that he did in fact have a good claim  - assuming insurance could be located - and answered all of Gregs questions in plain English.

We analysed Greg’s situation and quickly showed that he had cover of more than $450,000.00.  Greg had a young family he was trying to support, but his inability to work put the family in difficult circumstances.

After obtaining all medical information, we lodged a claim for Greg and the claim was accepted by the insurer after considering it for 3 months.

The settlement has made a huge difference to the future for Greg and his family and helped to provide his with the opportunity to focus on his own health and his family’s wellbeing..

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$400,000 for terminal cancer and $300,000 from her husband’s death

Terry worked outdoors and is a mad-keen surfer. Unfortunately, he developed melanoma, which wasn’t picked up on a skin check.  The melanoma spread and by the time he contacted us, the doctors had told him that there was no cure, and the melanoma would be fatal.

Within a few days of contacting us, we established that in addition to his super account balance, Terry had insurance of over $120,000.00.  Terry didn’t know about that insurance until we informed him.

Our caring team quickly gathered all the medical information and within a few weeks, had Terry’s claim lodged.  The claim was accepted by the fund 12 days after we lodged it.

Terry told us that he planned to use part of the settlement to fund a dream holiday to Hawaii to watch major surfing competitions while he was still well enough.

Rod and the team thought about Terry holistically ie as a whole person not just about his one claim and they helped him take care of his claim as well as other things like his Will.

Given this client had a terminal illness it was imperative that Rod and the team were able to move quickly with this case  - this is one of SLC key strengths – their experience with both legal and medical allows them to move quickly And in this case it was urgent that Terry receive the best advice about what he was covered for.

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$200,000 and income protection payments for a severe skin condition

Cathy had worked in physical jobs all her life.  He last job involved lots of chemicals and she developed severe dermatitis.  She had to stop work. All the doctors agreed that Cathy couldn’t work with her hands anymore and she didn’t have any formal education beyond high school.

Cathy had only ever worked with her hands.We checked Cathy’s super fund for her and found that she could apply for income protection payments and for a lump sum for permanent disability of over $200,000.00.

We made both claims and within 8 weeks the income protection claim was accepted and the TPD lump sum claim shortly after that.Cathy had a major role in supporting her family financially (teenage children and extended family support).  When it became clear that she couldn’t keep working, she and the family were in financial trouble.

The settlements have allowed Cathy and her family to get back on their feet and look forward to a better future. We understand how medical and financial problems can quickly cause problems that ripple through the entire family.

This financial trouble and insecurity is the dominate theme in many cases so its important lawyers are able to help their clients get the best outcome in the shortest possible timeframe.

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Tradie gets $140,000 for carpal tunnel affecting both arms

Jack left school when he was 15.  He loved his job as a tradie, working with his hands and hand tools and machinery every day.  It was the only work he’d ever done.  He took great pride in his work and had a young and growing family.

Unfortunately, into his late 30s, Jack got carpal tunnel in both arms.  He had surgery, which helped a bit to start with, but he then went backwards to constant pain.  All the doctors said there was nothing more they could do medically, and Jack needed to find another job not using his hands.  But he wasn’t trained or experienced in anything else.

We have deep experience of the physical demands that come with trade based occupations – we like the doctors knew that Jack never be able to get back to the trade that he loved.

We explored Jack’s cover and found insurance cover for over $140,000.00.  We gathered all the medical evidence and lodged a claim for Jack. Within 3 weeks of the claim being lodged, Jack’s claim was accepted.  Jack and his partner were stoked, as the settlement was at a time when financial pressures were growing, and they were expecting another baby.

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$500,000 for spinal injuries

Kim was in her 50s, left school young, and only ever worked in occupations involving manual work, with lots of time on her feet.  Kim’s back gradually got worse, and she needed surgery.  She was forced to stop work and had no real prospects of getting another job she was suited for.

Kim had no idea of her insurance cover, but we found a policy worth over $500,000.00.

Our team analysed the policy, worked further with Kim and obtained extensive medical information and then prepared and made a claim for Kim. The insurance company accepted Kim’s claim.

Our team prepared and made a claim for Kim and the insurance company accepted that claim. Kim and her family are incredibly grateful for the huge difference this money will make to their lives.

Expand Story
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See What You Could Be Entitled To
click here to start your free online claim check

Claims Don’t Impact Your Super Balance or NDIS and Are Unlikely to Affect Centrelink

Making a claim doesn’t affect Centrelink or reduce your super

3 easy steps to receive your lump sum payout

Start Your Free Online Claim Check

Answer a few quick questions online to see if you might be eligible for a lump sum payout and what you could expect. It only takes a minute and there are no documents required. You’ll also be able to book a free online consultation with one of our specialist lawyers. Whether or not you decide to proceed with your claim, you’ll get you'll get expertise that could improve your life.

We take care of All the hard work for you

Leave the hard work to us. We’ll deal with insurers, manage the paperwork to speed up your claim and fight to secure every dollar you’re entitled to. You don’t pay us a cent until your claim is successful. And it’s a fixed-fee which we agree on upfront so there are no surprises.

Receive Your Payment and Move Forward With Confidence

Once your claim is successful, you'll receive a lump sum payment or other relevant entitlement from your superannuation or insurance provider. This can provide helpful financial support during a difficult time and help you plan ahead.

Meet your trusted team

At Superlaw Claims, we understand the challenges you’re facing and we’re here to help during this difficult time. We speak in plain English, guide you step by step, and take care of all the hard work for you. Great outcomes are what we achieve every day.

Rod Hodgson

Rod is one of Australia’s top personal injury lawyers, with over 30 years of experience helping clients secure hundreds of millions in compensation. He’s formally accredited as a Specialist in Personal Injury Law and has won multiple prestigious awards for his service. Rod’s focus is on achieving justice for his clients with unmatched expertise and care.

Toni Biggins

With over 15 years of experience, Toni has helped more than 20,000 Australians secure over $1 billion in payouts. She is dedicated to guiding clients through complex claims with empathy and expertise, ensuring they get what they’re entitled to. Toni works tirelessly to achieve the best outcomes for every client.

need help?

If you would prefer to speak with us right away, or you have any questions, please give our friendly team a call anytime.

1300 330 542

Frequently asked questions

What is superannuation insurance?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Will I have to go to court to make my claim?

Very unlikely. About 9 out of 10 claims are accepted without going to court. In most cases, our experienced team resolves claims quickly and without litigation, saving you hassle and stress.

What if my super account is closed or has a low balance?

You may still be eligible. Even if your account has been closed or rolled over, the insurance cover you had when you stopped working could still apply. We can check that cover, even if you stopped work a long time ago. And we can check it for free.

Can I claim on more than one account?

Yes. If you had multiple superannuation accounts with insurance policies, you may be able to claim on each of them. Our team can guide you through this process to maximise your entitlements.

If my illness or injury was pre-existing, can I still make a claim?

Yes. In most cases, you will be fully covered, if you: previously worked without restrictions or limitations, and had insurance when your injury or illness caused you to stop working.

Will claiming super insurance impact my superannuation balance?

No. The insurance payout is in addition to your super fund retirement savings, and won’t impact your super balance. When you make a claim, it’s money from an insurance policy.

Will making a claim affect my Centrelink or NDIS payments?

Most TPD claims will not affect your Centrelink. TPD claims do not affect NDIS. Some types of income protection claims may affect Centrelink. Get in touch and we’ll advise you on the best path forward.

Can I make a claim while receiving workers’ compensation or road accident payouts?

Yes. TPD and income protection claims can be made in addition to workers’ compensation, road accident payouts, or other benefits. TPD and income protection payments usually don’t affect workers compensation and road accident payouts.

What if my claim has already been denied? Can you still help?

Contact us if your claim has already been denied. We can often win against funds who have denied claims.

Can I still make a claim even if I’m not injured

Yes. TPD and income protection claims cover a wide range of medical conditions, not just injury. We have helped thousands of people with illnesses and other medical conditions receive lump sum payments, including: Multiple sclerosis, Motor neurone disease, Major depression, Parkinsons disease, Arthritis, Visual dysfunction, Dementia, Huntington’s disease, Muscular dystrophy, and many others.

Do I need to pay anything upfront?

No. We operate on a no win, no fee basis, meaning you pay nothing upfront and nothing out of pocket. You only pay a fixed-fee after your claim is successful. We let you know what this fee is upfront, so there are no surprises.

What if I’m not sure if I qualify for a claim?

That’s okay! Eligibility depends on several factors, but our free online claim check is a fast and no-pressure way to find out. It only takes a minute, requires no documents, and helps determine what you may be entitled to.

What if I stopped working years ago?

Claims can be lodged years after you stopped work, if your injuries or illness are likely permanent. Super funds and insurers sometimes tell people “You’re too late”, but this is often wrong. We’ll check your eligibility for free to ensure no entitlements are missed.

Can self-employed individuals make a disability insurance claim?

Yes, self-employed individuals can still make a TPD claim. We’ll carefully assess if you have insurance cover through your superannuation, private insurance or industry-specific policies.

Can I still make a claim if my injury or illness wasn’t work related?

Yes. It doesn’t matter if you were injured or became ill at work, or elsewhere – what matters is you’re unable to work because of the injury or illness. Any medical condition, whether injury, illness or both, can qualify.

Frequently asked questions

What is superannuation insurance?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Will I need to go to court?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

What if my super account is closed or has a low balance?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Can I claim on more than one account?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Will claiming super insurance affect my Centrelink payments or superannuation balance?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Can I make a claim while receiving workers’ compensation or road accident payouts?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

What if my claim has already been denied? Can you still help?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Do I need to pay anything upfront?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

What if I’m not sure if I qualify for a claim?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

What if I stopped working years ago?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.

Can self-employed individuals make a disability insurance claim?

Most superannuation accounts include automatic disability insurance. This might include TPD (usually a lump sum payment), income protection, and death benefits. These payments provide financial support if you’re unable to work due to illness, injury, or other health condition. The benefits are separate from your retirement savings and won’t affect your super balance.