Free initial consultation
We begin by reviewing your superannuation fund and any insurance policies attached to it - including Total and Permanent Disability (TPD), income protection, and death cover. We explain your entitlements under each policy, assess your eligibility to claim, and identify the super fund or insurer responsible for managing the benefit.
Lodging your claim
We gather all required evidence to support your claim, such as medical records, employment history, policy documents, and specialist reports. Once your case is fully prepared, we submit the claim to your super fund or insurer, ensuring it meets all the procedural and evidentiary requirements under the policy.
Gathering supporting evidence
Superannuation insurance claims are often delayed, denied, or underpaid. We carefully review the insurer’s decision, assess any disputed evidence, and provide clear legal advice on your options. Whether you're dealing with a rejected TPD claim or a delayed income protection payout, we guide you through the next steps to protect your rights.
Negotiation & payout
We handle all communication and negotiation with your super fund or insurer to secure the benefits you're entitled to. If your claim is unfairly denied or delayed, we’re prepared to escalate the matter through internal appeals, the Australian Financial Complaints Authority (AFCA), or legal proceedings if necessary. Always aiming to resolve your claim as efficiently and favourably as possible.
With office locations in Brisbane, Logan, Ipswich, Gold Coast, Sunshine Coast and Toowoomba, you can easily meet with us in person. We also provide phone or online consultations, and can even come to you if needed.
Fewer than 2% of Queensland injury lawyers hold this Queensland Law Society accreditation — the highest recognition for proven expertise, professional excellence and ethical standards.
Our priority is making sure you keep the maximum payout. We pay your evidence costs upfront, never ask you to take out high-interest personal loans, and refuse to charge hidden “uplift” fees on your settlement.
You’ll always know where you stand. With regular updates, direct access to your lawyer, and easy access to your documents, the process stays open and stress-free.
We offer holistic support tailored to your circumstances — including the financial, family, and personal challenges that can come with injury, illness or abuse.
Our Mission
“We started Gain Lawyers because we saw an industry putting profits before people. It's time for a change, which is why we focus on your recovery and financial well-being first.
You’re placing a great deal of trust in us to handle important and often complex matters during what can be a very uncertain and stressful time in your life. We take that responsibility seriously.”
Jeremy Roche, Director At Gain
3 things to know about superannuation insurance claims in QLD.
Why Gain Lawyers stands out
“I highly recommend Jeremy Roche. His knowledge was incredible and he genuinely cares about you. I found him honest, straightforward and professional. He made everything so much easier and did a fantastic job.”
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Superannuation Insurance Lawyer FAQs
Most superannuation funds include default insurance cover. Depending on your policy, you may be able to claim:
- Total and Permanent Disability (TPD) – a lump sum if illness or injury stops you from ever working again.
- Income protection – ongoing weekly or monthly payments if you’re unable to work for a period of time.
- Death and terminal illness benefits – lump sums paid if you’re diagnosed with a terminal illness or if you pass away, providing support for your family.
Many people don’t even realise they have this cover — or that they may have multiple super accounts with duplicate insurance policies. Gain Lawyers checks all your funds to make sure no entitlement is missed.
TPD is the most common type of superannuation insurance claim. It pays a once-off lump sum if illness or injury leaves you permanently unable to work in your usual occupation, or any occupation suited to your skills, training, or experience.
The definition of “total and permanent disability” differs between policies, and insurers often use these definitions to argue against valid claims. Gain Lawyers makes sure your claim is framed correctly so the insurer can’t rely on technicalities to reject it.
Income protection pays you a regular income stream if you can’t work temporarily due to illness or injury. Payments are usually weekly or monthly and cover a percentage of your normal wage.
While this sounds straightforward, insurers often cut off payments too early or demand constant medical updates. Gain Lawyers handles this process, ensuring payments continue for as long as your policy entitles you.
Superannuation insurance usually includes a benefit for death and terminal illness. This provides a lump sum payout if you pass away, or if you are diagnosed with a terminal illness and meet the policy conditions.
These claims often arise at difficult times. Gain Lawyers supports families by handling the paperwork and insurer negotiations so loved ones aren’t left struggling with complex processes.
The first step is to get advice before you lodge anything with your fund. Superannuation insurers reject many claims due to missing documents, technical wording, or strict deadlines.
When you come to Gain Lawyers, we:
- Review your policy to confirm eligibility.
- Gather the right evidence – medical reports, employment history, and financial records.
- Prepare and lodge your claim with the super fund’s insurer.
- Deal with the insurer directly and firmly, so you’re not caught in endless back-and-forth.
By getting us involved early, you give your claim the strongest chance of approval.
Rejections are common, even for strong claims. Insurers often argue the condition isn’t permanent, the definition of “disability” isn’t met, or documents are insufficient.
At Gain Lawyers, we:
- Analyse the insurer’s reasons and check for errors or unfair practices.
- Gather stronger evidence to address their concerns.
- Challenge the decision through the fund’s dispute process.
- Escalate to AFCA (Australian Financial Complaints Authority) if necessary.
Many denied claims are overturned once challenged properly.
Timeframes depend on the type of claim and how the insurer responds:
- Income protection – often 1–3 months.
- TPD claims – usually 3–12 months.
- Death/terminal illness benefits – typically faster, but still vary.
Gain Lawyers manages the process, keeps pressure on the insurer, and pushes your claim forward to avoid unnecessary delays.
Yes. Many Australians have more than one superannuation account, and each fund may carry its own TPD, income protection, or death cover. That means you may be entitled to multiple payouts.
Gain Lawyers reviews all your funds, identifies hidden cover, and manages multiple claims to maximise your overall compensation.
You can technically lodge a super claim yourself, but the process is complex and insurers often:
- Apply strict definitions to minimise payouts.
- Delay claims with repeated document requests.
- Reject applications on technical grounds.
Having Gain Lawyers means your claim is prepared correctly, deadlines are met, and you’re not disadvantaged in negotiations. Legal advice often makes the difference between a long, stressful rejection and a successful payout.
At Gain Lawyers, we:
- Act in all superannuation insurance claims – TPD, income protection, and death/terminal illness.
- Check all your funds to uncover every possible entitlement.
- Prepare and lodge your claim with complete supporting evidence.
- Challenge unfair denials or delays directly with the insurer.
- Cover all costs upfront, with fees 20–40% lower than large firms.
Your financial security shouldn’t depend on insurer tactics. Gain Lawyers makes sure you receive the benefits you’ve worked for.