Superannuation and Insurance Claim Lawyers

Has an injury or disability forced you out of work? Talk to Masselos & Co Lawyers. We specialise in superannuation and income protection claims in NSW & ACT.

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Superannuation & Insurance claims

Every year, more and more people take out insurance products for income protection or disability cover to give them and their family peace of mind if they suffer an injury or illness that leaves them unable to work. Most workers also have automatic insurance cover for disability under their superannuation policy.

Has an injury or disability forced you out of work, temporarily or permanently?

If so, you may be entitled to compensation under your existing superannuation or another insurance policy.

Unfortunately, claiming the benefits you’ve paid for is not always a straight-forward process as many insurers don’t want to pay when the time comes. Our team of lawyers also help unlock funds tied up in your super to make life more comfortable.

If you’ve purchased an insurance product, like income protection, then we can help you secure the benefits you have paid for and make sure the insurance company pays without delay.

What you can claim

  • Total or partial disability benefits
  • Temporary or permanent disablement benefits
  • Income protection
  • Life insurance

Hear how Arthur managed to secure his family's future after a serious accident put it all in doubt.

“The first time I spoke to Masselos & Co, I felt like something could be done. Now we can afford to pay our bills and get on with our lives.” - Arthur

Your next steps


Assess your claim

Assessing whether you have a claim is the first step of the process. As insurers typically make this difficult for individuals, we encourage you to get in touch with us for a free, no obligation consultation.


Detail your case

We will go over the details of your case and help you to work out if you have a case that would entitle you to compensation.


Outline the process

We will let you know all the information that will be required from you and clearly outline what the process will look like, so you can feel confident and knowledgeable about your claim’s eligibility.


Receive tailored advice

You will receive advice individually tailored to you and your case.

FAQ: Superannuation claims & income protection

Click below to find an answer to these frequently asked questions.

How do I claim my superannuation when I’ve been injured?

If you’ve been injured and are suffering a loss of income, you might be able to access financial support via your superannuation fund.

Many super fund providers automatically include insurance options, such as income protection or disability cover, both of which you could be eligible for should you experience a significant injury. 

If you’re not sure whether you already have superannuation insurance cover or you’d like to make a claim, contact your provider directly to find out which steps you have to take.  If you’re not sure about the answer you get, it’s probably time to seek legal advice as the insurance policy documents can be confusing and you may need to have your entitlements verified.

What does income protection insurance not cover?

Income protection insurance can cover a part of your wages should you be unable to work due to injury. Depending on your policy and circumstances, it can cover up to 100% of your income before taxes. However, there is usually a waiting period associated with the start of your payments. 

The specifics of your policy can vary from insurer to insurer, including  exclusions under your policy. But generally, you have to prove loss of income as a result of injury or illness. To be eligible, you will have to meet their definition of partial or total disability, which you can usually find in the product disclosure statement (PDS) for your cover. 

Income protection insurance does not usually provide cover for loss of income due to termination of employment.

Your expert team

Tackling insurance companies on your own can be a daunting prospect. Let Masselos & Co’s expert team of lawyers, with decades worth of experience dealing with superannuation claims, help you get the compensation you deserve.

We care and that’s why your first consultation is absolutely free. Get in touch today and see how we can help.

Get in touch today

Our expert lawyers are on hand to answer any questions you might have, with no obligation.