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Financial support for those living with a brain injury.

The financial impact of not being able to work because of your brain injury can be significant.

We're ready to help.

AFRM Claims Advocacy (ACA) is working with Brain Injury Australia (BIA) – the peak charity for the 700,000 people living with a brain injury, their families and carers - to alleviate financial stress for those who aren't working due to a brain injury.

ACA have helped hundreds of clients get an insurance benefit payment, and may be able to help you too.  It’s a free assessment.


Do I qualify?

Has your brain injury impacted your ability to work - even if it happened years ago? You might have personal insurance in your superannuation that could possibly owe you an insurance payment. ACA can help you check whether you can access this payment to alleviate financial stress.

What is personal insurance?

Personal Insurance intent is to provide financial security to you and your family for events such as a serious injury or illness.  Cover may have been purchased directly or often superannuation funds have a basic level of cover available to members. The cover includes:

⁞       Income Protection – the benefit payment is up to 75% of the client’s income if they can’t work due to illness or injury

⁞       Trauma – the benefit payment is made if the client is diagnosed with a major illness eg. brain tumour

⁞       Total & Permanent Disability – benefit paid if the client is totally and permanently disabled because of their injury or illness and cannot work. 

⁞       Death claims – the benefit payment is a lump sum paid to the beneficiary upon the death of the client.

Did you know?

  • Personal insurance benefit payments are intended to support you if you are injured or become ill.

  • To make it easy for you, ACA can find out if you are owed payments or not, based on your situation.

  • ACA's initial assessment to find out if you are owed a benefit payment - will cost you nothing.

  • You’ve most likely been paying for your personal insurance via your superannuation fund.

  • A successful default personal insurance claim, does not impact your superannuation balance.

  • You may be owed insurance payments, if your injury was recent, or happened many years ago.

  • Even if your superannuation statement reads “nil cover” you may have had cover at the time you stopped work – so it is worth checking.  

  • Personal insurance can still be paid even if you already receive payments from injury compensation schemes or are a participant in the National Disability Insurance Scheme (NDIS).

To find out if we can help, call us on 1300 013 328 or email us on You can also find out more at Brain Injury  Australia’s website

What you can expect from the personal insurance claim process:


ACA can check if you are owed payments from your personal insurance - for free.

Call or email AFRM Claims Advocacy.  Tell us about your situation. We’ll explain what you need to do and how we may be able to help.

We start the claim process – free assessment. We research any personal insurance policies you may have and how they may be able to help you.

Help with claim paperwork. If you have a claim, we help you complete all the relevant claim paperwork.

We meet with the insurer. We lodge your claim and speak to the insurer on your behalf.

Claim Conclusion. We help you until the claim outcome.

Contact us now.

Call 1300 013 328, or email for a free eligibility check, or leave your details below for us to call you.

Thank you for contacting ACA.

© 2021 by AFRM Claims Advocacy

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