Project Description

Life Insurance / Income Protection

Insurance Law

The most common reason why someone may need to claim against a life insurance policy is in the sad event of a loved one’s death. If you were the dependant of someone who has passed away, like their partner or child, you may be entitled to receive a death benefit from their life insurance policy.

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At such a distressing time in your life, you need a sympathetic ear and good advice. A claim against a life insurer is often complex and can take a long time. Insurance policies are typically wordy, with a lot of fine print. Our experienced insurance and personal injury lawyers can liaise with the insurance company on your behalf so that you can be free to grieve. We understand the anxiety that results from losing a loved one, especially if you were financially reliant on them, and we will work tirelessly to make sure that you get the benefits you’re entitled to as quick as possible.

If you’re not sure if you count as a dependent for the purposes of making a claim, consult with our life insurance lawyers. We’ll be able to help you understand the definitions and whether you need to provide evidence in support of your claim.

Life insurance policies don’t just cover you in the event of your death. Most policies, especially those sold through your superannuation policy, also provide coverage if you become totally and permanently disabled or are unable to work for a long period of time. If you’re suffering from a sickness or injury that means you can’t work, you may be able to make a claim. If this applies to you, come and talk to our Parramatta and Fairfield lawyers. We will help you understand the policy terms and see if you qualify.

We can help you:

  • Understand whether you qualify as a dependent of a deceased person.
  • Find out whether your deceased loved one held any life insurance policies.
  • Examine the terms and conditions and provide you with advice on the policy.
  • If you are permanently or significantly disabled, give you advice about whether you can claim under your life insurance policy.
  • Arrange medical examinations and obtain reports to support your claim.
  • Liaise with the insurer on your behalf throughout the claims process.

Income Protection Insurance

If injury or illness means that you have had to take time away from your job, the last thing you need is to worry about how you’ll pay your bills. That’s why it’s important to check whether you have an income protection insurance policy.

An income protection insurance policy is there to protect you when you can’t work. You may have taken one out yourself, or be covered through your superannuation fund, your union or another organisation. Most NSW workers do have some sort of cover, so it’s worth checking even if you don’t think you do. Most policies will cover 75% of your salary during the period when you’re unable to work, giving you peace of mind that you can meet your obligations while you recover.

If you’re unsure if you have a policy or a right to claim, come and talk to our experienced insurance lawyers. We’ll help you get a copy of any policies you hold and go through the fine print with you so that you get your full entitlement.

As with any form of insurance, claiming against your income protection policy can be frustrating and complex. There’s often a lot of paperwork involved. The insurer will require evidence of your injuries or illness, including recommended treatment and expected recovery times. You should obtain medical reports and keep all records relating to the issue. Some injuries seem minor at the outset but become chronic. Others never recover fully. You may need ongoing medical examinations in order to keep receiving payments.

We can help you:

  • Find out whether you hold any insurance policies that provide income protection.
  • Examine the terms and conditions and give you advice on the policy.
  • Arrange medical examinations and obtain reports to support your claim.
  • Complete your claim.
  • Liaise with the insurer on your behalf.
  • Argue on your behalf if your claim is denied, including proceeding to mediation or litigation as a last resort.

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