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Income Protection

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Secure Your Income - Income Protection Services

At Barwick Boitano Lawyers, we understand the financial strain and uncertainty that can accompany a temporary inability to work due to illness or injury. If you’ve suffered a disability that prevents you from performing your regular duties, our experienced team is here to guide you through the process of making an income protection (IP) claim through your superannuation fund.
We recognize that navigating the complexities of IP claims can be overwhelming, and our approach is tailored to your specific circumstances. Our lawyers will work closely with you to understand the details of your situation, the terms of your insurance policy, and the eligibility criteria you must meet.
Our comprehensive income protection claim services include:

  • Reviewing your insurance policy and assessing your eligibility for an IP claim
  • Gathering and presenting relevant medical evidence, employment records, and supporting documentation
  • Liaising with your superannuation fund and insurer throughout the claim process
  • Advocating on your behalf to ensure a fair and thorough assessment of your claim
  • Representing you in disputes or legal proceedings if your claim is denied
  • Monitoring and managing your ongoing eligibility for IP benefits, if approved

We understand the financial burden and emotional toll that a temporary disability can have, and our goal is to secure the income protection benefits you are entitled to under your insurance policy. These benefits can provide much-needed financial support and peace of mind as you focus on your recovery and eventual return to work.
At Barwick Boitano Lawyers, we handle IP claims with the utmost professionalism and compassion. Our team will be by your side every step of the way, providing personalized advice and unwavering support throughout this process.
Don’t let a temporary disability jeopardize your financial security. Contact Barwick Boitano Lawyers today to schedule a consultation and take the first step towards securing the income protection benefits you deserve.

Income Protection Claims in New South Wales (NSW)

In NSW, many superannuation funds provide income protection (IP) insurance coverage as part of their insurance offerings. IP insurance is designed to provide regular income payments to the insured member if they become temporarily unable to work due to illness or injury.The key aspects of income protection claims in NSW include:

  1. Eligibility criteria: To qualify for an IP claim, the insured member must meet the policy’s definition of disability, which typically involves the inability to perform the duties of their regular occupation or any occupation for which they are reasonably qualified.
  2. Waiting period: IP policies often have a waiting period, which is the initial period of disability during which no benefits are payable. Common waiting periods range from 14 days to several months.
  3. Benefit payment period: The policy will specify the maximum period for which IP benefits will be paid, such as two years, five years, or until a specific age (e.g., 65).
  4. Benefit amount: The IP benefit amount is typically calculated as a percentage of the insured member’s pre-disability income, subject to any maximum limits specified in the policy.
  5. Claim process: The insured member must submit a claim to the superannuation fund, providing relevant medical evidence, employment records, and other supporting documentation as required by the insurer.
  6. Assessment and decision: The insurer will assess the claim based on the provided evidence and the policy terms, and make a decision to approve or deny the claim.
  7. Ongoing management: If the claim is approved, the insurer may periodically review the insured member’s condition and ongoing eligibility for IP benefits.

It’s crucial to seek legal advice and representation from experienced superannuation and insurance lawyers to navigate the complexities of IP claims, ensure compliance with legal requirements, and protect your rights and interests throughout the process.

Facing financial hardship due to illness or injury? Our experienced team can guide you through the process of making an income protection claim through your superannuation fund, ensuring you receive the benefits you’re entitled to.

Have you suffered a disability that prevents you from working? Our knowledgeable lawyers can assist you in navigating the complexities of making total and permanent disability (TPD) and income protection (IP) claims through your superannuation fund.

If you’ve been diagnosed with a permanent disability that prevents you from returning to work, our skilled professionals can help you pursue a total and permanent disability (TPD) claim through your superannuation fund, securing the financial support you need.