Superannuation Insurance Information Guide (PDF)

An 8-page guide from Arnold Dallas McPherson explaining how superannuation-based insurance works if you’re injured, ill, or permanently disabled.

Superannuation Insurance Information Guide

This guide covers your potential entitlements under Income Protection and Total & Permanent Disability (TPD), claim processes, policy differences, relevant waiting periods, and more.

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What you’ll learn:

The difference between Income Protection and Total & Permanent Disability (TPD) benefits: what each is, when they apply, and how they are paid.
How policy terms such as waiting periods, definition of disability, partial vs total disability, and assessment criteria differ between superannuation funds.
What evidence and documentation you typically need: medical reports, certifying you’re unfit to work, possibly past employment/training history, etc.
Timeframes for claims: when you should lodge, how long decisions tend to take, and the importance of acting early.
What happens once a claim is approved: lump sum payments, managing your super balance, tax implications, and options for how funds are paid or rolled over.

Who it’s for:
Anybody in Victoria (or applicable region) who has insurance through superannuation and might need to use it due to injury, illness or permanent disability — wanting to understand what they’re entitled to and how to navigate the claims process.