Life Insurance & Death Benefit
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Learn moreLife Insurance and Death Benefit Claims
When a loved one passes away, the hardship following their death is often compounded if they were a source of income for their dependants.
What is Life Insurance or Death Benefit cover?
All super funds in Australia offer benefits in the event of a loved one’s death. If you were a spouse, child, legal personal representative or financially dependent on someone who has passed away, you may be entitled to their super contributions and connected insurance benefits. These benefits are designed to ease the burden of financial strife at this difficult time.
We can help
We can help you with your life insurance and death benefit claims. Call 13 43 63 to speak with our superannuation and TPD claims experts.
Frequently asked questions
Want to know more?
Are there any time limits?
It is recommended that you act to retrieve these benefits as quickly as possible, with the help of a qualified solicitor, to ensure the super fund pays all relevant entitlements.
It is possible for super fund members to nominate the beneficiary to whom a payment should be made. This can be done in a binding or non-binding way. A binding nomination must be followed by the super fund provided the nomination remains current and valid at the time of death.
Can binding nominations be disputed?
Some binding nominations can be disputed. For example, some funds require the nomination to be made to a dependant, and the definition of dependant will potentially change from fund to fund. An ex-wife who met the definition at the time of the nomination when married to the member may not meet the definition after a divorce or separation.
Similarly a beneficiary who was not family, but financially dependent on a member at the time of nomination and who was no longer financially dependent at the time of death, may no longer meet the required definition.
What are the time limits for disputing death benefits?
There are strict time limits that apply to disputing decisions made about the distribution of death benefits, so you should seek urgent advice, especially if you have received notification of a claim decision from the super fund.
What can I do next?
Our specialist superannuation claims lawyers are experts in this area of law and are able to assist you with your super claim effectively and efficiency. If you have a claim, and claim that has been rejected or just simply unsure where to start we can help. Please contact us either by submitting an online enquiry or by calling directly on 13 43 63.
Talk to our team
Once you complete the form, here’s what happens next:
Schedule an initial chat
We’ll arrange a time that suits you to speak with one of our lawyers. We can even come to your home or hospital.
Have a conversation about what you need help with
During this no-obligation consultation we’ll listen to your situation and provide initial advice.
Receive our offer
After the consultation, we’ll send you our offer. This will clearly outline your options and let you decide if you’d like to move forward.
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