How to make an insurance claim

Ideally, you’ll never need to make a claim. But in the event that you do, we want to make the claim process as stress-free and straightforward as possible.

To get started, please call us on 08 9480 3500 to speak to our insurance team. They will confirm your eligibility and guide you through the process.

The terms of your cover, including any of the Policy’s standard exclusions and limitations, will be discussed with you at the time of your call and a copy of the Policy can be provided to you upon request.

Insurance Claims Process Diagram

For more information about claiming on a specific type of policy, please follow these links:

Making a death benefit claim

Making a disability benefit claim

Making an income protection claim


 

Making a Death Benefit claim

1. A beneficiary or representative notifies us of the death of a member by calling us on 08 9480 3500.

2. We’ll ask the beneficiary or representative for proof of their relationship to the deceased, as well as certified copies of the following documents (should they exist):

a. The member’s marriage certificate;
b. Any Orders issued by a Family Court;
c. The member’s death certificate;
d. The member’s will;
e. The Grant of Probate or Letters of Administration;
f. The member’s birth certificate; and
g. The dependent’s birth certificate.

Once we’ve received the certified copies of all documents, the claims process will begin. This is our way of ensuring that the benefit is paid to the appropriate person. Ordinarily, the process should take between six and eight weeks, however this will depend on receipt of relevant documents and complex claims may take longer.

3. If a valid beneficiary nomination is not made, we’ll ask a family member or legal representative to complete a statutory declaration your dependents and circumstances at the time of death.

4. If an insured benefit is held in the name of the deceased member, then a claim will be lodged with our insurer. The proceeds of the insurance benefit will be paid to WA Super, and we will then pay out the benefit to the appropriate beneficiary.

**There may be financial or tax implications on any benefits paid out by WA Super and you may wish to get independent advice.

 


 

 

Making a Total & Permanent Disability claim

Making an insurance claim for a disability can be a difficult and stressful time. Our insurance team aim to make the process as easy as possible for you and will guide you along every step of the way.

How do I make a claim?

1.Contact WA Super

Please call our insurance team on 08 9480 3500. They will confirm your eligibility to make the claim. 

Generally, a waiting period of six months applies for Total & Permanent Disability claims. This waiting period commences from the date of disablement. 

2.Submit the claim

You’ll have the option to lodge a claim via telephone with the insurance team at the time of your call, or you can choose to have forms sent to you to complete and return. There will be a requirement for you to complete some forms even if you choose the option to submit your claim via telephone. 

3.Claim assessment

Once we receive all the relevant information, your claim will be assessed by our insurer’s claim assessor. It is anticipated that the assessment period will be around 90 days, however this will depend on receipt of relevant documents, and complex claims may take longer. The claim assessment process will be completed in line with our insurance policy’s terms and conditions. 

4.Claim outcome

If your claim is accepted, we’ll send you a letter and outline your options for payment. You can provide us with instructions on how you would like the benefit to be paid.

If we do not accept your claim, we will clearly explain the reasons in writing, and give you the opportunity to appeal the decision.

 

**There may be financial or tax implications on any benefits paid out by WA Super and you may wish to get independent advice 

 


 

 

Making an Income Protection claim

Making an insurance claim can be a difficult and stressful time. Our insurance team aim to make the process as easy as possible for you and will guide you along every step of the way.

How do I make a claim?

1.Contact WA Super

Please call our insurance team on 08 9480 3500. They will confirm your eligibility to make the claim. 

A waiting period applies for income protection claims; this is generally 90 days if cover is provided to you by default, but it could be shorter or longer if you specifically selected your cover. This waiting period commences from the date of disablement. 

Depending on your date of disablement, the Policy will pay out up to 85% of your gross monthly income. But it is important to note that: 

•If your salary details have not been kept up to date with us, you may receive less than 85%; and

•If you’re receiving income from another source―including Centrelink or Workers Compensation―offsets may be applied to your benefits.

2.Submit the claim

You’ll have the option to lodge a claim via telephone with the insurance team at the time of your call, or you can choose to have forms sent to you to complete and return. There will be a requirement for you to complete some forms even if you choose the option to submit your claim via telephone. 

3.Claim assessment

Once we receive all the relevant information, your claim will be assessed by our insurer’s claim assessor. It is anticipated that the assessment period will be around 30 days, however this will depend on receipt of relevant documents, and complex claims may take longer. The claims assessment process will be completed in line with our insurance policy’s terms and conditions .

4.Claim outcome

If your claim is accepted, our insurer will pay you directly via EFT, monthly in arrears. Please note that 10% of your monthly payment will be made to WA Super to cover your superannuation contributions whilst you’re unable to work. 

If we do not accept your claim, we will clearly explain the reasons in writing, and give you the opportunity to appeal the decision.

Ongoing claim requirements:

There may be a requirement to attend ongoing medical assessments and these requirements will be outlined to you on a regular basis by your claims assessor.

 

**There may be financial or tax implications on any benefits paid out by WA Super and you may wish to get independent advice 

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