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Death & Terminal illness claims

We’re here to support your death and terminal illness claim.

A death benefit is money paid to a dependent if the policy holder passes away or to the policy holder if you have less than 12 or 24 months to live.

If you’re a spouse, child, legal personal representative, or another dependent of the member who has passed away, you may be entitled to all or part of their super contributions and connected insurance benefits.

The benefits typically come in the form of a lump sum payment that may consist of the member’s super contributions and connected insurance benefits. The final decision of distribution lies with the funds’ Trustee, although some funds allow members to make a binding nomination of their beneficiaries.

Our experts can help to ensure the superannuation fund trustee pays the benefits correctly, and avoid costly, time-sensitive disputes later on.

After losing a loved one, the last thing on your mind is dealing with superannuation funds and insurers, however, it’s important that you seek advice from a legal professional to ensure the superannuation fund trustee pays the benefits correctly, as it may be costly both financially and emotionally to challenge the decisions after the benefits are paid.

Strict time limits apply to disputing decisions about the distribution of death benefits.

Terminal Illness Claim

At YourTPD Lawyers, we understand the profound impact a terminal illness or the loss of a loved one can have on your life. Our dedicated team, comprising expert life insurance claim lawyers, specialises in managing terminal illness claims, Australian super death claims, and claiming death insurance with sensitivity and professionalism. We’re committed to providing the support and guidance you need to navigate these challenging times.

Facing a terminal illness diagnosis is one of life’s most challenging moments, bringing uncertainty and concern about the future. Our terminal illness claim services alleviate some of these burdens, ensuring access to financial support without unnecessary stress. If you meet specific requirements, you may be eligible to claim benefits that can provide essential financial support during this difficult time.

Australian Super Death Claims

Dealing with financial matters such as Australian super death claims during the loss of a loved one can be stressful. We’re here to assist you through claiming death insurance and ensuring the superannuation fund trustee correctly pays out the benefits owed to dependents. Choose YourTPD Lawyers to help you secure the lump sum payment you’re entitled to.

Claim Death Insurance with Expertise

Navigating complex death claim insurance requires expert knowledge and experience. Our life insurance claim lawyers specialise in providing comprehensive support, from assessing eligibility to handling disputes over benefit distribution. We strive to make this process straightforward and respectful, allowing you to focus on healing and remembering your loved one.

Why Choose YourTPD Lawyers for Your Death & Terminal Illness Claim?

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Expertise:

Our team of specialised lawyers has extensive experience in terminal illness and death claim insurance, ensuring you receive professional, effective support.
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Compassion:

We approach each case with sensitivity and understanding, recognising your emotional challenges.
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Efficiency:

We’re dedicated to simplifying the claims process, aiming to secure your benefits swiftly with minimal stress.
If you’re dealing with the complexities of a terminal illness claim or navigating the process of an Australian super death claim, YourTPD Lawyers is here to help. Contact us today to learn how our expert life insurance claim lawyers can support you through this difficult time.

Explore Our Specialist Services

At YourTPD Lawyers, we understand the challenges of navigating superannuation and insurance claims. Our dedicated team offers services tailored to support and achieve the best possible outcomes for your unique circumstances. With expertise in early release of super due to financial hardship, terminal illness claims, Australian super death claims, and specialised life insurance claim lawyers, we’re here to guide you through every step.

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Early Release of Super Due to Financial Hardship:

If you’re experiencing significant financial difficulties, you may be eligible for an early superannuation release. We’ll guide you through the eligibility criteria and application process, ensuring you understand all your options for accessing your super early.
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Life Insurance Claim Lawyers:

Our lawyers bring extensive knowledge and expertise to bear on your life insurance claims. Whether you’re dealing with a terminal illness or the death of a loved one, we’re committed to securing the benefits you’re entitled to, offering peace of mind in difficult times.
At YourTPD Lawyers, we aim to provide professional, compassionate, and efficient service. We’re dedicated to easing the burden during challenging periods, ensuring you receive the financial support you need.

Frequently Asked Questions

How do I know if I'm eligible for a terminal illness claim?
Eligibility for a terminal illness claim generally requires a medical diagnosis stating that you have less than 12 or 24 months to live. This claim can provide immediate financial support by allowing early access to life insurance benefits and superannuation funds. Our team at YourTPD Lawyers can help you understand the specific criteria of your policy and guide you through the eligibility assessment process.
What is involved in processing an Australian super death claim?
Processing an Australian super death claim involves several steps, including notifying the super fund’s of the death, submitting a claim form, and providing necessary documents such as the death certificate and proof of the claimant”s relationship to the deceased. The super fund’s trustee will then assess the claim and determine the distribution of benefits. Our life insurance claim lawyers can assist you in each step, ensuring the process is handled correctly and efficiently.
Can I claim death insurance if I'm not a direct family member of the deceased?
Yes, in some cases, individuals who are not direct family members but were financially dependent on the deceased at the time of their passing may be eligible to claim death insurance benefits. This includes dependents like a de facto partner or someone who shared a close personal relationship with the deceased. Our team can help determine if you qualify as a dependent and guide you through the claim process.

Terminal illness claims

In case of a terminal illness, where someone is certified by doctors to have less than 12 or 24 months to live, a terminal illness insurance benefit may be paid out in the form of a death benefit.

Not only can individuals receive insurance entitlements, but they can also access the money they hold in their superannuation fund, even if they haven’t reached the required age to do so.

We understand that this can be a challenging time, and we are here to help you.

In 2021 the average time for a death benefit insurance claim to be accepted was 1.0 months.

Source – Insurance Watch Pty Ltd

19,974

Number of claims paid

97%

Proportion of claims paid

$3,644m

Amount paid

Source – APRA Life Insurance Claims and disputes statistics