FAQ

What paperwork will I need to do?

You will be required to do minimal paperwork. Our focus is on taking the stress & effort out of your hands so you can focus on other things.

I’m not sure what insurance I have, if any. What should I do?

Don’t panic. We can check and find out your insurance coverage. You also might have automatic insurance through your superannuation.

I was injured on holiday, can I still make an income claim?

Yes, you can. You can make an income claim regardless of where or how you were injured or became ill.

I was injured & now work part-time. Can I make a claim?

Yes, you can. If your regular income has dropped in any way as a result of injury or illness, you’re able to make a claim.

I have a few Total & Permanent Disability (TPD) insurance policies, how many can I claim on?

Many of our clients have a few Superannuation accounts, this means that more than likely they have Total & Permanent Disability (TPD) insurance cover attached to their Super as well. We often get the question, can I claim on more than one TPD policy? Well the answer is most certainly YES!

Like all insurance policies there will be some requirements that will need to be met prior to having a TPD claim accepted, however you can claim on all your TPD policies and with our experience we have had many of our clients receive multiple TPD claim payouts.

What is the difference between Income Protection and Total & Permanent Disability (TPD) Insurance?

Income protection replaces your monthly income if you get injured or become ill. Income protection is designed to keep you afloat for the short term.

TPD insurance pays out a lump sum payment if you’re no longer able to work, within jobs you have previously been able to work, because of an illness or injury.

Do I have a waiting period and what does this mean for my claim?

We often get asked do I have a waiting period and what does this mean for me? Here is a quick breakdown of waiting periods and how they can affect your claim.

Income Protection: All Income Protection policies have a waiting period, however, the time differs with each policy. A waiting period on an Income Protection policy means you will need to be totally or partially unable to work within the waiting period and your benefit entitlements will not begin or be payable until after the waiting period. The common waiting period for Income protection claims is 30, 60 or 90 days.

Total & Permanent Disability (TPD): TPD policies usually have a longer waiting period i.e. 6 months. A waiting period on a TPD policy means you will need to meet the TPD definition and wait the waiting period before an Insurer will accept your claim. The common waiting period for TPD claims is 3 or 6 months.

Trauma/Critical Illness: Trauma and Critical Illness policies don’t have waiting periods and are payable immediately upon satisfying the Insurer’s requirements.

Contact us today with any questions regarding your policy or claim to see how we can assist.

I have a long-term illness. How long can I claim insurance coverage?

This depends on the coverage you have. Income protection claims have many different periods which you can continue to receive a payment for, these range from 2 years up to the of age 67. For a long-term illness, you may also be eligible to receive a total and permanent disability insurance payout.

How long will my insurance claim take?

Claims dealt directly with insurers for income protection can take between 2-3 months and total and permanent disability can take up to 2 years. With Life Matters Claims we work towards minimising these timeframes in order to have a payment to you quicker. Our aim is to have your income protection finalised within a month and your total and permanent disability within 6 months.

How Do I know If I’m Insured?

Many Australians are covered by automatic income insurance, usually through their super. A lot of the time, you’re able to make multiple insurance claims if you’re unable to work. It all comes down to your particular circumstances. We have 15 years of experience making sure that our clients are aware of all their entitlements. Give us a call or fill out a form and we’ll let you know what you can claim.

When Can I Make an Income Claim?

If you’ve been injured or you’re suffering from an illness, and experience a loss of income of any kind, you’re able to make an income insurance claim. You can make a claim even if you weren’t injured at work. It could be a car accident, a public incident or medical complications. Whatever the circumstances, you’re protected.

We’re ready to help you through your insurance claim

You can talk to us on 1300 784 108

Or send an email to info@lifemattersclaims.com.au