Our client had submitted a death benefit claim under her late brother’s mortgage insurance policy. The insurer had indicated to her that they required all her late brother’s medical records and may decline the claim on the basis that her late brother’s drinking problem was a pre-existing medical condition.
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Earlier in 2024, it was announced that CareSuper and Spirit Super would merge. Many members of both the original funds will hold disability insurance inside super like TPD, income protection and death benefits. CareSuper has announced that these insurance benefits will, for the most part, remain unchanged. However, it’s important for members to understand what effect, if any, the merger will have on their insurance benefits.
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Claiming super and insurance benefits after the death of a loved one is usually relatively straightforward. If your relationship with the deceased is clear and not controversial, the benefit will usually be paid reasonably quickly, as long as no one else makes a claim. However, what happens when things are not straightforward with a death benefits claim?
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Income protection is great when the claim is accepted and payments commence but what are some of the reasons your income protection claim may be rejected?
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Income protection benefits pay you a monthly payment if you lose or suffer a drop in your income due to illness or injury. In this blog, we look at the how income protection benefits are calculated and what options you may have to claim on more than one income protection policy.
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The Australian Financial Complaints Authority (AFCA) is the financial services ombudsman where you can lodge a complaint about the conduct of a financial services provider. AFCA is an alternative to the Court process. The decision makers are external to the super fund or insurer.
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