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Superannuation – disability and injury insurance outside work

Your super scheme may have you covered for injury or illness

Most people are aware that if you injure yourself in a road accident or at work, you will almost certainly be covered by either the TAC or WorkCover. But what happens if you are not injured at work or on the road?

If you are not covered by one of these big compensation schemes, nor would your medical and like expenses be covered, and you would likely have to make enquiries to Centrelink as to whether there was any entitlement to a Health Care Card. 

Luckily, many people are covered for any injury or illness that interrupts their income if they are members of a super scheme.

It's a little known fact that most super funds contain insurance cover, often 'buried' in the fine print, which will cover you in the event that you become incapacitated.

These are called superannuation disability benefits. The same insurance policy almost always also contains death insurance.

Most people are ignorant of these benefits because they are simply packaged in with super, but you may have been paying premiums from your own super regardless.

This is important because, in the event that you become disabled or incapacitated in circumstances outside of your work you may be entitled to claim either a lump sum payment for a permanent disability, or even regular income payments if you have also opted into this when you signed up with your super scheme.

We look in detail at what these benefits are in our Early Access to Superannuation for Workers section.

What types of circumstances are we talking about?

You may be entitled to claim income protection benefits for injuries or illnesses that occur while playing sport for example. Other common circumstances under which you may sustain an injury are while out shopping, or during recreational activities like hiking or swimming, or while walking in a public space. Illnesses like heart disease or cancer also may unfortunately arise which prevent you from earning an income or cause you permanent disability.

If such injury or illness renders you totally and permanently disabled, then the TPD lump sum insured benefit may be able to be accessed. And if you have in addition to this income insurance, you may be able to claim monthly payments, even though the interruption to work is temporary.

How do I check on my super cover?

The first step is to ensure that your super scheme does in fact come with an insurance policy. If you have details of your scheme, you can check this yourself. It is often, but not always, listed on one of your statements.

If you are unsure or feel you'd like assistance, we are only too happy to help you check. Lodge a query with us online or call us on 1300 366 441 and ask to speak with one of our compensation lawyers. We can help determine if you are eligible for a claim.

This service is completely free of charge.

Other types of insurance benefits

Home loans

You may be entitled to other types of insurance benefits of which you may not be aware.

Many banks now require you to take mortgage protection insurance in order to qualify for a home loan. This means that, should you be unable to work for a time because of health or injury problems, you will likely have a claim.

Credit cards

Likewise, many credit cards come packaged with benefits that include insurance. It pays to check.

Sporting clubs

Almost all sporting clubs now pay insurance premiums to cover injuries to their players.

Click here to submit information online so we can investigate your eligibility to make a claim. Once you have completed and submitted our online questionnaire, we will contact you within two business days to discuss your claim further.

Or call 1300 366 441 or find us at an office near you for free initial advice on Superannuation matters.