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.
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
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$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.


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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.
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
You may be eligible to claim if any injury or illness has stopped you from working, no matter how it was caused
Claims for TPD and income protection can be made for a wide range of medical conditions, including both physical and psychological. These claims don’t need to be work-related and can even be pre-existing conditions.
Over the last 30 years we’ve helped 1000s of Australians secure lump sum payments for:
Multiple Sclerosis
Visual Dysfunction
Heart Disease
Motor Neurone Disease
Dementia
Stroke
Depression
Huntington’s Disease
Liver Failure
Parkinson's Disease
Muscular Dystrophy
Brain Injury
Arthritis
Renal Disease
Mental Illness
Kidney Disease
Spinal Conditions
And Many Others
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.
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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“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.”

“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.”
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:
Belinda’s Story
$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.
Brenda’s Story
$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.
Bill’s Story
$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.
Greg’s Story
$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.
Terry’s Story
$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.
Cathy’s Story
$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.
Jack’s Story
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.
Kim’s Story
$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.
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.
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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.
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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.