Delivering outstanding TPD and income protection insurance claims results

Multiple Super Fund Claims

If you hold more than one superannuation account, you may also have multiple insurance policies that can pay out when illness or injury prevents you from working. Our legal team helps you identify all eligible policies, manage overlapping requirements, and maximise your entitlements.
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Are you eligible to claim from multiple super funds?

We’ll guide you through every step — checking each super account for insurance cover, reviewing policy terms, and preparing the paperwork, so you know exactly what to expect at each stage.
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Our Process

Making Multiple Super Fund Claims Clear and Supportive

We guide you through every stage — from identifying all your super accounts and reviewing policy cover to lodging and managing claims with each fund — with clarity, care, and expertise, so you feel supported and confident throughout.

Confirm Your Full Entitlement

01. Eligibility Review
We check all your super funds for active insurance cover, review policy terms, and confirm waiting periods. This ensures you know exactly which funds you can claim against before moving forward.
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Gather Policy & Evidence

02. Document Collection
We gather policy documents from each super fund along with medical reports and income records. This ensures every claim is supported with the correct evidence from the beginning.
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Prepare a Claim Submission

03. Claim Preparation
We prepare claim submissions for each super fund with medical reports, capacity evidence, and supporting records to clearly show your entitlement under multiple policies.
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Lodge & Finalise Claim

04. Claim Management
We lodge your claims with each super fund, handle all communication, and follow up regularly until benefits are approved. Our team keeps you fully updated so you know exactly where things stand.
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We provide dedicated legal services to help individuals access benefits across multiple superannuation funds. Our team ensures every claim is managed with clarity and care, from identifying eligible accounts to finalising payments.

Our experienced lawyers guide you through each stage of the process — from reviewing all superannuation policies to preparing tailored submissions — ensuring you maximise your entitlements and receive the financial support you need during recovery.

Identifying Multiple Super Accounts

Many Australians hold more than one superannuation account, often created when changing jobs. Each account may carry its own insurance policy, meaning you could be entitled to benefits under more than one fund when illness or injury prevents you from working.

What is Identifying Multiple Super Accounts?

This process involves locating all of your superannuation accounts, confirming which ones have insurance cover, and checking if they are active. By identifying every eligible account, you can ensure no entitlements are overlooked.

Why is It Important?

Failing to identify all your super accounts could mean missing out on valuable insurance benefits. Some policies may still provide cover even if the account is inactive, so a thorough check ensures you claim everything you are entitled to.

Common Challenges in Identifying Accounts

  • Lost or forgotten accounts: Many people are unaware of superannuation accounts created by past employers.
  • Inactive cover: Some policies may lapse if contributions stop, making it difficult to confirm coverage.
  • Complex fund rules: Different super funds have varying requirements for maintaining insurance cover.

Why Choose TPD Claims Lawyers?

  • Expertise: We know how to track down multiple super accounts and confirm active insurance cover.
  • Guidance: We explain your rights under each policy and advise whether you can claim across multiple funds.
  • Results: Our thorough approach ensures no claimable benefit is missed, maximising your entitlements.

Our Services Include:

  • Searching for all superannuation accounts using ATO and fund resources.
  • Confirming which accounts carry insurance policies that may pay out benefits.
  • Explaining differences between funds and how multiple claims can interact.

With TPD Claims Lawyers, you can be confident that all your super accounts are identified and every entitlement is pursued.

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Reviewing Policy Terms Across Funds

Each superannuation fund has its own insurance policy terms, definitions, and conditions. When claiming through multiple funds, it is essential to review these differences carefully to avoid mistakes and ensure you meet the requirements of each policy.

What is Reviewing Policy Terms?

This process involves analysing the insurance wording in each super fund, including definitions of incapacity, waiting periods, exclusions, and offsets. By comparing terms across funds, we identify the best approach to lodging multiple claims.

Why is It Important?

Policies can vary widely between super funds. Some may define incapacity as being unable to perform your “own occupation,” while others apply an “any occupation” test. Understanding these differences is critical to structuring your claims effectively.

Common Challenges in Reviewing Policy Terms

  • Different definitions: Inconsistent wording around incapacity, work capacity, and waiting periods.
  • Hidden exclusions: Some policies exclude pre-existing conditions or particular injuries.
  • Offsets: One fund’s payment may reduce entitlements under another if not managed carefully.

Why Choose TPD Claims Lawyers?

  • Expertise: We specialise in reviewing complex superannuation policy wording across multiple funds.
  • Guidance: We explain how each policy applies and advise the best strategy for maximising your entitlements.
  • Results: Our detailed reviews reduce the risk of rejection and ensure claims are aligned with each fund’s requirements.

Our Services Include:

  • Examining insurance policy wording for each superannuation fund.
  • Identifying exclusions, offsets, and waiting periods that may impact claims.
  • Advising on the order and strategy for lodging multiple claims.

With TPD Claims Lawyers, you can be confident that your policy terms are carefully reviewed to secure the maximum benefits from multiple funds.

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Avoiding Double Payments & Offsets

When claiming from multiple superannuation funds, insurers may apply offset rules to reduce or prevent double payments. Understanding how offsets work ensures you receive the maximum benefits without breaching policy conditions.

What is Avoiding Double Payments & Offsets?

This process involves reviewing policy wording across all super funds to identify offset clauses and payment restrictions. It ensures claims are structured correctly so you are not penalised by overlapping benefits.

Why is It Important?

Offsets can significantly reduce what you receive if claims are not managed properly. By structuring claims carefully, you can prevent insurers from unfairly deducting or withholding benefits between multiple policies.

Common Challenges in Offsets

  • Complex policy wording: Offset clauses are often hidden in policy terms and difficult to interpret.
  • Overlapping benefits: Payments from one super fund may reduce entitlements from another.
  • Incorrect calculations: Insurers sometimes misapply offsets, leading to underpayments.

Why Choose TPD Claims Lawyers?

  • Expertise: We understand how offset provisions apply across multiple superannuation funds.
  • Guidance: We advise on how to structure claims to avoid unnecessary reductions.
  • Results: Our strategies maximise your net benefits and challenge incorrect deductions.

Our Services Include:

  • Reviewing all policy terms to identify offset provisions.
  • Calculating potential overlaps to avoid double payments being clawed back.
  • Challenging insurers when offsets are misapplied or unfairly deducted.

With TPD Claims Lawyers, you can be confident your claims are structured to prevent offsets and secure the full benefits you are entitled to.

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Coordinating Medical Evidence for Multiple Claims

When lodging claims with more than one superannuation fund, consistent medical evidence is critical. Insurers often compare reports, and inconsistencies between them can lead to disputes or delays.

What is Coordinating Medical Evidence?

This process ensures that all medical reports, capacity assessments, and certificates align across claims. It involves working closely with your treating doctors and specialists so the evidence submitted to each fund is accurate, consistent, and complete.

Why is It Important?

Inconsistent medical evidence is one of the most common reasons multiple claims are disputed. Coordinating reports across funds avoids contradictions, strengthens your case, and supports faster approvals.

Common Challenges in Medical Evidence

  • Conflicting reports: Different doctors may describe your condition or capacity in varying ways.
  • Incomplete certificates: Brief medical notes may not meet insurer requirements for detail.
  • Insurer-appointed exams: External assessments may contradict treating doctor opinions.

Why Choose TPD Claims Lawyers?

  • Expertise: We know the level of detail insurers require and ensure reports meet policy definitions.
  • Guidance: We work with your treating doctors to prepare clear and consistent medical evidence.
  • Results: Our approach reduces disputes, strengthens claims, and leads to faster benefit approvals.

Our Services Include:

  • Reviewing all medical evidence for consistency before lodging claims.
  • Liaising with treating doctors to prepare detailed and aligned reports.
  • Addressing discrepancies raised by insurer-appointed medical examiners.

With TPD Claims Lawyers, your medical evidence is carefully coordinated across all funds to support multiple claims and maximise approval outcomes.

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Managing Different Waiting Periods

Each superannuation fund sets its own waiting period before Total & Temporary Disability (TTD) or income protection benefits can be paid. When you have multiple claims, these periods often differ, creating complexity in timing and payments.

What is Managing Waiting Periods?

This process involves checking and comparing the waiting periods in each super fund’s policy. It ensures claims are lodged in the correct order and that evidence covers the required timeframe for every insurer.

Why is It Important?

If waiting periods are not managed carefully, claims may be delayed, rejected, or paid incorrectly. Coordinating these timeframes avoids unnecessary disputes and helps you access benefits as soon as possible.

Common Challenges in Waiting Periods

  • Different lengths: Some funds have 30-day waiting periods, while others may require 90 days or more.
  • Interrupted work: Returning to work briefly can reset or extend waiting periods.
  • Evidence requirements: Each fund may need medical certificates to cover the entire waiting period without gaps.

Why Choose TPD Claims Lawyers?

  • Expertise: We understand how waiting periods work across multiple funds and plan claims accordingly.
  • Guidance: We ensure medical evidence and timelines match each policy’s requirements.
  • Results: Our proactive approach prevents delays and ensures benefits are paid as early as possible.

Our Services Include:

  • Reviewing waiting periods across all superannuation fund policies.
  • Coordinating medical certificates and evidence to meet time requirements.
  • Structuring claims to minimise delays and avoid disputes.

With TPD Claims Lawyers, you can be confident that different waiting periods are managed effectively to keep your claims moving and your benefits on track.

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Maximising Total Benefit Entitlements

When you have insurance cover across multiple superannuation funds, careful planning is needed to ensure you receive the highest possible combined benefits. Without proper coordination, entitlements may be reduced or overlooked.

What is Maximising Total Benefit Entitlements?

This process involves reviewing all of your super fund policies, calculating potential payouts, and structuring claims to achieve the maximum financial support available. It also includes managing offsets and avoiding double-counting between funds.

Why is It Important?

Insurers may apply offsets or deductions if claims are not managed correctly, which can significantly reduce your benefits. By maximising entitlements, you ensure every eligible fund contributes fairly to your recovery support.

Common Challenges in Maximising Benefits

  • Offsets and reductions: One fund’s payment may reduce the payout from another if not carefully managed.
  • Complex calculations: Different funds may calculate benefits using varying definitions of income or incapacity.
  • Overlooked policies: Forgotten or inactive accounts may carry insurance that remains payable but is missed.

Why Choose TPD Claims Lawyers?

  • Expertise: We specialise in coordinating multiple claims and understanding how benefits interact.
  • Guidance: We explain how each fund contributes and plan a strategy to maximise your overall entitlement.
  • Results: Our approach ensures you receive the highest available benefits across all superannuation policies.

Our Services Include:

  • Reviewing and comparing benefits across multiple superannuation funds.
  • Calculating combined entitlements and identifying potential offsets.
  • Developing strategies to maximise payouts while avoiding deductions.

With TPD Claims Lawyers, you can be confident that all of your superannuation policies are optimised to deliver the maximum benefits available to you.

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Lodging Claims with Multiple Funds

When illness or injury prevents you from working, each superannuation fund you hold may carry its own insurance policy. Lodging claims with multiple funds requires careful preparation to ensure each one is complete, accurate, and compliant with policy requirements.

What is Lodging Claims with Multiple Funds?

This process involves preparing and submitting claim forms, medical certificates, and supporting documents to each superannuation fund. It also requires coordinating the timing of lodgements to ensure claims are processed smoothly and without conflict between insurers.

Why is It Important?

Submitting multiple claims can be complex, and mistakes may lead to delays or rejections. Properly lodging claims with each fund ensures your entitlements are considered fairly and maximises the chances of successful approvals across all policies.

Common Challenges in Lodging Multiple Claims

  • Different requirements: Each fund has its own forms, medical reports, and procedural rules.
  • Timing issues: Lodging one claim too early or too late can affect other claims.
  • Administrative errors: Incomplete or inconsistent information may delay assessments across funds.

Why Choose TPD Claims Lawyers?

  • Expertise: We understand the process of managing multiple claims and know how to avoid common pitfalls.
  • Guidance: We prepare all paperwork and submissions, ensuring each fund receives complete and accurate information.
  • Results: Our thorough approach helps achieve approvals across multiple funds as efficiently as possible.

Our Services Include:

  • Preparing and lodging claims with all relevant superannuation funds.
  • Coordinating medical and financial evidence to meet each fund’s requirements.
  • Managing communications with insurers to ensure claims progress smoothly.

With TPD Claims Lawyers, your claims are lodged strategically and carefully across multiple superannuation funds, maximising your entitlement and reducing delays.

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Resolving Disputes Across Super Funds

Disputes may arise when lodging claims with multiple superannuation funds, often due to inconsistent evidence, policy differences, or disagreements between insurers. Resolving these disputes quickly and effectively is vital to securing the benefits you are entitled to.

What is Resolving Disputes Across Super Funds?

This process involves addressing disagreements with one or more funds, whether through internal review, negotiation, or escalation to the Australian Financial Complaints Authority (AFCA). It ensures each fund fairly assesses your claim and pays the benefits owed under its policy.

Why is It Important?

Disputes can delay payments and create uncertainty when you most need financial support. Resolving them across multiple funds ensures no insurer avoids its responsibility and that you receive your full entitlement without unnecessary setbacks.

Common Challenges in Resolving Disputes

  • Conflicting assessments: Different insurers may interpret medical evidence or policy terms in inconsistent ways.
  • Offset disputes: Funds may attempt to reduce payments based on other claims or benefits.
  • Procedural delays: Disputes can drag on if not managed firmly and strategically.

Why Choose TPD Claims Lawyers?

  • Expertise: We have extensive experience managing disputes across multiple insurers and superannuation funds.
  • Guidance: We provide clear strategies for handling conflicting policies and evidence issues.
  • Results: Our approach ensures disputes are resolved efficiently, securing benefits from each eligible fund.

Our Services Include:

  • Reviewing dispute decisions and identifying weaknesses in insurer reasoning.
  • Preparing strong submissions for internal reviews or AFCA complaints.
  • Negotiating with multiple funds to resolve conflicts and secure entitlements.
  • Escalating disputes to AFCA or court where necessary.

With TPD Claims Lawyers, you have the support of experienced lawyers who know how to resolve disputes across multiple funds and ensure you receive the benefits you deserve.

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Eligibility & Factors

Key Criteria for Multiple Super Fund Claims

  • Multiple Accounts: You must hold more than one superannuation account, each with active or applicable insurance cover.
  • Policy Definitions: Each fund has its own definitions of incapacity and requirements for claiming, which must all be satisfied.
  • Medical Certification: Treating doctors must provide medical certificates that support incapacity across all relevant funds.
  • Consistent Evidence: Medical and financial evidence must align across funds to avoid contradictions and disputes.
  • Interaction Between Funds: Payments from one fund may affect another, with offsets or reductions applied if claims overlap.
  • Time Limits: Claims must be lodged within strict deadlines, which vary between superannuation funds and insurers.
  • Tax Treatment: Payments from multiple funds are generally taxable income and may be subject to PAYG withholding.
  • Causation: The illness or injury must directly result in incapacity, and be covered under each fund’s insurance policy.
Why Choose TPD Claims Lawyers

Supportive. Focused. Proven.

We help you access TPD, income protection, and death benefit payouts — with expert guidance and real results.

  • Fast Response Times
  • Specialist Legal Team
  • No Win, No Fee
  • Clear Legal Guidance
  • Trusted Claim Process
  • Client-Focused
2
days
Average time to complete an initial claim review.
10
hrs
Average response time to new client enquiries.
80
%
TPD Claims Approved
Core Values

Guided by experience, driven by results

We are dedicated to helping Australians access their full insurance entitlements with clarity, compassion, and persistence. Our values shape how we approach every claim and how we support every client.
Our Mission

TPD Claims Lawyers is a specialist legal team dedicated to helping Australians access their full insurance entitlements when injury or illness prevents them from working. As part of the Carter Capner Law group, we proudly carry on a tradition of legal excellence that spans over 75 years.

Our mission is to apply our deep knowledge of TPD, income protection, and death benefit claims to deliver legal outcomes that truly support our clients’ financial recovery and peace of mind. We aim to simplify complex processes and provide guidance every step of the way.

We are committed to acting with compassion, integrity, and precision — anticipating obstacles and addressing them with strategy and care to achieve the best result possible for every client.

Our Approach

Exceptional legal service is about more than just lodging forms — it’s about supporting you through one of life’s most difficult moments with clarity, compassion, and experience.

We understand that every person’s situation is unique. Whether you’re navigating a Total and Permanent Disability (TPD) claim, pursuing income protection benefits, or seeking a death benefit after losing a loved one, we take the time to learn about your circumstances in full. We don’t just process claims — we listen, investigate, advise, and act in your best interests at every stage.

Our firm is built around a simple but powerful idea: people first. We take a compassionate, client-focused approach that makes legal processes less overwhelming. We cut through complexity and communicate in plain language — not legal jargon — so you feel informed and empowered from start to finish.

To ensure your matter progresses efficiently, we use up-to-date case management systems that allow our team to provide real-time updates. You’ll never be left wondering where your claim stands — and we’re always available to answer questions when you need us.

frequently asked questions
Multiple super fund claims arise when you hold more than one superannuation account, each with insurance cover, and you are entitled to lodge claims across those funds for illness or injury.
Yes. If each fund has active insurance cover, you may be able to lodge multiple claims. However, policies differ, and benefits may interact or be offset against one another.
Timeframes vary depending on each fund’s processes, evidence requirements, and whether disputes arise. Some claims may be finalised in months, while others take longer if multiple insurers are involved.
Anyone with more than one superannuation account that includes insurance cover may be eligible. This often applies to people who have changed jobs and accumulated several super accounts.
You’ll usually need policy documents from each fund, medical reports, capacity assessments, employment and income records, and claim forms specific to each insurer.
A rejection from one fund doesn’t automatically prevent claims with other funds. You can also challenge rejections through internal review, AFCA, or legal action.
Yes. Each fund sets its own deadlines, and missing them can risk losing benefits. Lodging claims early ensures you stay within all timeframes.
While you can lodge claims yourself, having a lawyer ensures all funds are identified, evidence is consistent across claims, and strategies are in place to maximise benefits while avoiding offsets.
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