No matter what type of insurance you want to claim on, the basic process is often the same. The first step will be for you or your beneficiary to fill in and submit a claim form. Your super fund will likely have the necessary forms available on their website, or you can contact your fund and request a form through the mail. If you have any questions about the form, make sure you contact your fund.
Once you have submitted the form, you may be asked to provide supporting documentation, like medical reports or a death certificate, which can take some time to receive. It can be a good idea to begin collecting this documentation before you submit the claim form to help speed along the process. There may also be a waiting period before you receive your benefit.
What if I have a problem with my claim?
If you’re unhappy with the way your claim has been handled, your first step is to make a complaint to your fund. Each super fund will have a formal complaints process, and you should be able to find the details on the fund’s website or by phoning them.
If you’re still unsatisfied, you can take your issue to the Superannuation Complaints Tribunal, but only after you have received a response from your fund or after 90 days without a response. The Complaints Tribunal is an independent and impartial body and its services are free to use. It is not necessary to hire a lawyer to assist you, but if your issue is complex it may be beneficial to do so.