It’s one of life’s inevitable and hard truths: accidents happen. Unfortunately, certain accidents can lead to long-lasting and dire consequences for the implicated individuals. This is especially true of accidents that result in personal injury, which can massively hinder a person’s ability to work and sustain their livelihood. While there are steps you can follow to avoid personal injury, particularly in the workplace, these incidents can still occur. In the event that they do, it’s essential to familiarize yourself with the resources that can lessen the burden of personal injury.
Working with a superannuation lawyer to gain early access to your superannuation fund can be an effective way of doing exactly that. Superannuation lawyers, such as those at Super Claims Australia, offer their specialized expertise to build you a strong case in various types of claims.
Below are four types of cases superannuation attorneys can assist you with
1. Disability Insurance Claims
If you’re suffering from a personal injury or an illness that is preventing you from working in your current job or from obtaining another one in your field, you may be entitled to early access to your superannuation and/or total and permanent disability (TPD) insurance. Keep in mind, however, that there have been some changes to the definition of TPD in recent years among some of Australia’s largest superannuation funds, which could make it more difficult to claim this benefit.
In order to build a strong case and improve your likelihood of receiving compensation, you need to provide sufficient evidence that your injury is impeding your ability to continue working or to find work; however, you do not need to prove that the injury or illness was due to someone else’s negligence or that it is work-related. An experienced superannuation lawyer will have extensive knowledge of recent changes to the TPD definition and will be able to guide you in preparing your case to increase your likelihood of compensation.
2. Life Insurance Claims
In the unfortunate event that one of your family members or loved ones passes away, you may be able to withdraw from their superannuation to minimize financial burdens during this incredibly difficult time. As a potential beneficiary, you could be entitled to a portion of the deceased individual’s superannuation fund and/or related life insurance payments.
In order to make a claim, you will need to provide an array of documentation, including your ID, a certified copy of the Grant of Probate or Letters of Administration for the deceased estate (if there is one), a general information form, and a statement of relationship form to name a few. A superannuation lawyer can help massively in ensuring you collect and submit the relevant documentation in a timely manner.
3. Disability Claims Litigation
There are a number of scenarios in which disability claim litigation could be necessary. Examples of such cases include claim rejections by insurers or super trustees, failure to make a decision regarding certain claims, negligent advice from financial advisers, and employer failure to make contributions to your super. Given the complex nature of these cases, having the expertise of a superannuation lawyer on your side is extremely helpful.
4. Income Protection (TTD)
Income protection benefits (TTD) are quite similar to TPD benefits; the main difference is that TTD claims temporarily cover a specific period of lost income while TPD is a permanent, lump sum payment.
Much like TPD claims, in order to claim a TTD benefit, you will need to provide proof of your injury or illness that is impeding your ability to work. The amount and the duration of the payments will depend largely on the details of your case, which is why it’s important to have a specialized attorney assist you in compiling the necessary documentation.
If you’re hoping to access your super fund or that of a loved one early, consider seeking the assistance of a specialized superannuation attorney. Their experience in handling various types of cases, including disability insurance claims, life insurance claims, claim litigation, and income protection, will help ensure you receive the compensation you deserve. Make sure you do your due diligence to ensure you secure the best legal aid services for you by researching various law firms in your area that specialize in early superannuation access, reaching out to get estimates of their rates, and seeking online reviews from previous clients.