Superannuation Lawyers Melbourne

Understand and take advantage of all the benefits your superannuation insurance benefits have to offer.

What are Superannuation Insurance Benefits?

Superannuation funds typically include insurance or insurance that provides varying levels of coverage for their members, helping to provide a financial safeguard for members who are unable to work due to injury or illness.

Depending on your super fund and the level of cover your super fund supplies, the benefits may be accessible when eligibility criteria are met to assist with:

  • Death Cover
  • Total & Permanent Disability Cover (TPD) cover and
  • Income Protection Insurance
  • Trauma Insurance

Superannuation and TPD benefits are a misunderstood aspect of superannuation and in many cases, those who have suffered injuries or those with next of kin who have passed away may be eligible to access these benefits.

At Fittipaldi Injury Lawyers, our experienced legal team understand the complexities involved in accessing these benefits and is dedicated to providing the legal assistance needed to navigate the claims process. 

Our service provides you with experienced super lawyers and is committed to ensuring you receive the full benefits you are entitled to, helping you secure your financial future during challenging times.

Understanding these complexities during such a difficult time of your life may seem daunting. However, our lawyers are dedicated to helping you understand the process, walk you through it, and help you achieve the compensation you are due on a no-win, no-fee basis.

What Claims Can You Make Through Our Superannuation Lawyers?

The exact types of insurance cover and benefits provided by your superannuation will vary based on your fund, age and other factors.

However, the main types of cover that you may be able to access include:

  • Death Benefits Cover
  • TPD cover and
  • Income Protection
  • Trauma Insurance

Access our obligation free consultation to allow us to guide you on the types of superannuation claims you can make.

TPD Superannuation Claims

TPD claims are designed for individuals who are permanently unable to work due to injury or illness.If the injuries or illness you have suffered mean you can no longer work your normal job based on your education, training or experience, this type of disability insurance claim may be the right one for you.Our legal team will guide you through the process, ensuring you meet the necessary criteria and gather the required documentation to support your claim.

Income Protection Claims

Income protection insurance provides financial support if you are temporarily unable to work due to injury or illness.

If you have suffered an injury that means you need to take time off work, you may be able to make these superannuation insurance benefits to help ease your financial burden during the time period you are not at work.

If this type of superannuation insurance claim is suitable for your circumstances, Fittipaldi Injury Lawyers’ expert lawyers are here to assist you through the legal process to access these benefits.

Life Insurance or Death Benefit Claims

If a loved one has passed away, life insurance or death benefit claims can help to provide some financial relief.

These benefits typically include contributions made to the fund as well as any insurance payouts attached to the policy. 

Our compassionate team is here to support you through this difficult time, ensuring you receive the benefits owed to you or your dependents.

Trauma Insurance

Trauma insurance, also known as critical illness insurance, offers a lump sum payment if you are diagnosed with a specified serious illness or injury, such as cancer, heart attack, or stroke. 

The specifics of any claim benefits that apply will come down to a range of factors; however, this financial support can be crucial in covering medical expenses and other costs associated with your condition.

At Fittipaldi Injury Lawyers, our goal is to provide clear and comprehensive support for all types of superannuation and insurance claims. We are committed to ensuring that you receive the full benefits you are entitled to, helping you navigate these challenging circumstances with confidence and peace of mind.

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Who Can Make a TPD or Superannuation Insurance Claim?

Who Can Make a Claim?

  • You are Permanently Unable to Work in your chosen field: You suffer from an injury or illness that prevents you from working in your normal job or any other role suited to your education, training, or experience.
  • The Death of a Loved One: You are a dependent (such as a spouse, child, or partner) of a deceased person and wish to claim death benefits from their superannuation or insurance.
  • You are injured or ill and temporarily unable to work: You have an illness or injury that temporarily stops you from working, and you need financial support to replace lost income.
  • You Have Received a ‘Trauma Diagnosis’: You have been diagnosed with a specified serious illness or injury, such as cancer, heart attack, or stroke, covered by trauma insurance.

Specific Criteria Based on Insurance Policies

Eligibility for superannuation and insurance claims can vary depending on the specific terms and conditions of your insurance policy. Here are some common criteria:

  • Superannuation Policy Terms: Your policy must include coverage for the type of injury or illness you have sustained. This can include TPD, income protection, or trauma insurance.
  • Employment History: Some policies require a minimum level of employment or contributions to the super fund before you are eligible to make a claim.
  • Waiting Periods: Most policies include a waiting period after the date of your injury or illness before you can lodge a claim. This period allows for the stabilisation of your condition to determine the extent of the disability accurately.
  • Medical Documentation: You will most likely need to provide medical evidence, such as a doctor’s certificate, detailing your injury or illness and its impact on your ability to work.
  • Policy-Specific Requirements: Each insurance policy may have unique requirements that must be met, such as continuous coverage periods or specific definitions of TPD.

We are here to help you navigate these criteria and determine your eligibility. Our experienced team will review your policy, assess your situation, and guide you through the necessary steps to make a successful claim. We are committed to providing you with the support and information you need to secure your benefits.

Insurance Claims Process Through Superannuation Funds

Step-by-Step Guide to Legal Process for Filing a Claim

1. Initial Consultation

2. Gathering Documentation

3. Medical Assessment

4. Filing the Claim

5. Insurer Review

6. Decision and Payment

Expected Timeframes and Required Documentation

  • Timeframes: The time it takes to process a TPD or other superannuation insurance claim can vary depending on the complexity of the case and the responsiveness of the insurer. Generally, the process can take several months from the initial consultation to the final decision.
  • Required Documentation:
    • Completed claim forms
    • Medical reports and assessments
    • Employment history and records
    • Superannuation policy details
    • Any additional documentation requested by the insurer
    • The TPD Insurance Claims Process

We are committed to making the claims process as smooth and efficient as possible. Our team will be with you every step of the way, ensuring you have the support and guidance needed to secure your TPD benefits.

The TPD Insurance Claims Process

Our Superannuation Lawyers Provide Personalised Legal Guidance and Strategies

Why Choose Fittipaldi Injury Lawyers?

Experienced & Dedicated
Superannuation Lawyers

Your superannuation claim will have a far greater chance of a positive outcome with our experienced team on your side. With extensive experience in superannuation and TPD claims, we have the know-how and track-record that could make all the difference in the path to a successful claim.


We are sensitive to the fact that if you require assistance with a superannuation claim, chances are you have entered a difficult time in your life. Unlike other law firms, you will always have access to your assigned senior lawyer. Our priority is always to ensure that we understand your circumstances and provide tailored advice and guidance to give you the best chance of a successful outcome.

Proven Track

Our lawyers have secured significant settlements for our clients – as much as $1.7 million. This is only possible with the skill, passion and personalised attention to detail that our expert superannuation lawyers give to each of our clients.

No Win,
No Fee Guarantee

We operate on a No Win, No Fee basis, ensuring access to justice for all. This means you can pursue your claim without the worry of upfront legal fees. If we don’t win your case, you don’t pay, giving you peace of mind and financial security as we work to secure your benefits.


If you are looking for a great Injury Lawyer, I highly recommend Aylin from Fittipaldi Injury Lawyers. This firm care about their client, provide a professional service and deliver what they say they can. Great work, thank you.


Gennaro & his team at Fittipaldi Injury Lawyers have a wonderful approach to injury law - the client & their welfare is the most important aspect of any case. I certainly found this to be their focus in my dealings with Gennaro and his team. I knew my case was in good hands and being handled as efficiently and cost effectively as possible. The professionalism of the whole team was superb and I would recommend them whole-heartedly to anyone who has the need of an injury lawyer.


A huge thank you to Aylin and Gennaro for all their hard work and dedication aswell as attention to detail while preparing my case. The professional guidance ,personal advice and service from Aylin was especially outstanding. I would highly recommend the company to anyone who needs assistance in Personal Injury Law. Thank you again.



Why do I need a superannuation lawyer?

A super lawyer specialises in super funds and associated insurance policies. They deliver expert advice and guidance to help clients through the legal process, laws, and claims processes associated with superannuation claims to ensure they can access the benefits they are entitled to.

Can I sue my superannuation?

You cannot sue your superannuation fund directly. However, if your superannuation fund has denied a claim and is not providing the benefits you believe you are entitled to, you can dispute the decision. Successfully disputing a claim will more than likely require the legal expertise of an experienced lawyer.

Do I need a lawyer for a TPD claim?

While it is not mandatory to have a lawyer for a TPD claim, having one can significantly increase your chances of a successful outcome. Their understanding of the requirements, the process and the various superannuation funds and their policies and insurances will provide you with priceless insights and advice that will support you on the way to a successful claim.

Can I claim insurance from my superannuation?

Yes, you can claim compensation from your superannuation if your policy includes coverage such as TPD, income protection, or life insurance. These benefits can provide financial support if you are unable to work due to injury or illness, or in the event of a policyholder’s death. A lawyer specialising in superannuation can help you understand your entitlements and guide you through the claims process.

What is a life insurance code?

The Life Insurance Code of Practice is a set of guidelines and standards that life insurance companies in Australia voluntarily agree to follow. This aims to provide transparency and accountability of life insurers and ensure the fair treatment of policyholders. It details the requirements of insurers to provide easy-to-understand information and support policyholders in their claims process.

Will a claim affect my superannuation account?

Generally, claiming insurance benefits, such as TPD or income protection, will not negatively affect your superannuation account balance. The insurance benefits are typically paid in addition to your superannuation savings and do not reduce the amount of your retirement savings. However, it is important to review the specific terms of your superannuation policy to understand how claims are handled and whether there are any potential impacts on your account. If you have any concerns, a lawyer can provide detailed advice based on your individual circumstances.

Do I Have a Case?

Please connect with our superannuation lawyers in Melbourne for an initial free/no-obligation consultation. During this meeting, we will gather your detailed instructions and offer our preliminary advice, along with more information about your entitlements.