Many Australians hold valuable insurance benefits without realising it. Total and Permanent Disability (TPD) and Income Protection cover are often included inside superannuation accounts, yet thousands of eligible claims go unmade every year. A free claim check can uncover benefits you may already be entitled to, without upfront cost or obligation, helping you understand your options before important deadlines pass.
Why TPD and income protection benefits are often overlooked
TPD and income protection insurance are commonly bundled into superannuation by default. This means you may be paying for cover without ever receiving clear explanations about what it includes or when you can claim.
TPD insurance generally provides a lump sum payment if illness or injury prevents you from ever returning to work. Income protection, on the other hand, can replace a portion of your income if you are temporarily unable to work due to medical reasons.
These benefits are often overlooked ecause:
- Policy details are complex and hard to understand
- People assume they must be permanently incapacitated to qualify
- Symptoms develop gradually rather than through a sudden accident
- Members are unaware cover exists inside their super fund
Super funds rarely contact members proactively about potential eligibility. As a result, many people miss out on financial support during some of the most difficult periods of their lives.
How a free claim check works
A free claim check is designed to assess whether you may be eligible for TPD or income protection benefits without any upfront cost. The process usually starts with a simple review of your work history, medical condition, and superannuation fund details.
Specialists examine whether your circumstances align with policy definitions and claim criteria. This includes looking at how your condition affects your ability to work, whether it is temporary or permanent, and how long you have been unable to perform your role.
If eligibility is identified, you are then guided through the next steps. If not, you receive clarity without financial risk. There is no obligation to proceed, which makes a claim check a low risk way to understand your entitlements.
Members of funds such as QSuper often discover that they hold insurance cover they were never fully informed about, especially if they have changed jobs, reduced hours, or experienced health issues over time.
Why timing matters with insurance claims
Insurance claims through superannuation are time sensitive. Strict time limits apply, particularly for income protection claims. Delaying action can reduce benefits or make claims more difficult.
Medical evidence also plays a critical role. The longer you wait, the harder it can be to gather documentation that accurately reflects how your condition affected your ability to work at the relevant time.
A free claim check helps you act before key deadlines pass. Even if you are unsure whether your condition qualifies, early review protects your position and keeps options open.
It is also important to understand that you do not need to be completely unable to work in all capacities to qualify for some benefits. Many policies assess your ability to perform your usual occupation rather than any job at all.
Conclusion
Hidden TPD and income protection benefits inside superannuation can provide crucial financial support, but only if they are identified and claimed in time. A free claim check removes uncertainty, uncovers potential entitlements, and helps you understand your rights without upfront risk. If you have experienced illness, injury, or changes to your ability to work, reviewing your super insurance benefits could make a meaningful difference when you need it most.
