Claiming a benefit

Claiming a permanent incapacity benefit

Permanent incapacity is the early release of your superannuation account balance if you have an illness or injury that is likely to stop you from ever working again in any occupation you are qualified to do by education, training, or experience.

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Claiming a TPD benefit

A total and permanent disablement (TPD) claim is an application for the early release of your superannuation account balance and any additional insurance cover you have. The benefit is payable if you become totally and permanently disabled due to an illness or injury that has caused you to be unable to work again in any occupation for which you were suited by education, training or experience, or if you are unable to perform certain everyday life activities.

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Claiming a terminal illness benefit

If you are diagnosed with a medical illness that will reduce your life expectancy to 24 months or less, you can claim the early release of your super account balance together with any additional life insurance that you have. Once your claim is approved, the total benefit payment is tax-free and paid directly to you.

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Claiming a death benefit

A death benefit claim can be made up of the superannuation account balance, less any applicable charges or taxes, and any death insurance cover the member may have had at the time of their death. Our Insurer assesses whether any death cover is payable, and we, the Trustee, will assess and determine who is eligible to receive the combined payment. This can sometimes be a lengthy and complex process – particularly where there are multiple people claiming the benefit.

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Claiming an Income Protection benefit

If you are unable to work due to illness or injury, Income Protection (IP) cover can provide you with regular monthly benefit payments. IP can be paid if you’re totally disabled and unable to do any work, or if you’re partially disabled and can do some of your work in a limited capacity by either reduced hours or duties or both as a result of your illness or injury.

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