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Superannuation · 1 min read

Insurance inside super: navigating TPD and income protection claims

Draft guide to lodging total and permanent disability or income protection claims through your super fund.

What you need to lodge

  • The fund name, member number, and the policy you are claiming under
  • Medical evidence covering the period of disability
  • Employment history and recent payslips
  • Statements from treating doctors and any specialists

Realistic timelines

Super insurance decisions can take many months. Trustees must keep you updated and follow the fund's complaints process. If a claim is unreasonably delayed, you can escalate to AFCA superannuation complaints.

Take action

Fairgo can draft a structured claim narrative that lines up your evidence with the policy definition. [Start a super complaint draft](/resolve/voice?category=superannuation) or [find a free legal service](/help) for tailored guidance.

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Owner: Fairgo content team (draft) · Last reviewed 2026-04-30 · Draft content — legal review pending before production. Review due 2026-07-30.
Super TPD claims: draft guide | Fairgo