Disability Insurance

We act on a no-win, no-fee basis for these types of cases, which means you will not be charged until the end of the case, dependent on the result.

Our lawyers are diligent in reviewing the fine print in insurance policies and are committed to ensuring you receive the maximum entitlements available to you.

The value of your insurance benefits has the potential to be hundreds of thousands of dollars, and is usually several times your superannuation account balance. If you are entitled to make a claim, it is usually paid as a lump sum.

Unfortunately, funds and insurers rely on exclusion or eligibility clauses, outlined in an insurance policy’s small print, to deny claims. Many insurers simply start with “no” so don’t be deterred by the prospect of a declined claim –  our team can help you challenge a decision.

If you can prove you are unable to perform your normal job, or any other work related to your skills and expertise, you may be eligible for a TPD or PPD insurance claim. This does not necessarily mean that you are unfit for all work – it just means you aree unable to do the work within your area of training and experience. For example, if you are employed in construction and a back injury prevents you from performing your normal construction work, you can usually make a TPD or PPD claim – this is the case even if your doctor approves you to perform a different type of employment, such as office work.

You may have the potential to make multiple claims if you are a member of various funds each carrying insurance cover. To achieve the best result, we investigate this process on your behalf.