The financial impact of not being able to work can be significant.

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Day-to-day expenses are likely to continue, and you will probably also face additional costs for medical treatments and tests, causing financial worry and stress. 

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We understand that making the claim process simple, easy to understand and delivering clients peace of mind are important aspects of every claim we manage.

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AFRM Claims Advocacy (ACA) has a purpose to improve the wellbeing of clients by alleviating their financial worry.  If you have a significant injury / illness and it is impacting your ability to work, ACA can check if you are owed payments from your personal insurance.  ACA have helped hundreds of clients (families and carers) get an insurance claim benefit payment, and we may be able to help you too.

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Do I qualify?

If you have acquired an injury or illness  - such as cancer, stroke, chronic pain, cardiovascular (heart disease / heart attack), mental health, neurological illness or any other condition that is impacting your ability to work - even if it happened years ago, you may be entitled to a personal insurance benefit payment.  Insurance payments can also be paid if you have returned to work on reduced hours becauase of your health condition(s).

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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. 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 eg. mental health

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

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

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

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Did you know?

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

• Before we commence a claim, ACA conducts a quick initial assessment to find out if you are owed a benefit payment.

• Even if you have now commenced working, ACA can check if you are eligible for the period you were not working. 

• You’ve most likely been paying for your personal insurance via your superannuation (e.g. income protection).

• A successful default personal insurance claim, does not reduce 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 of diagnosis or when 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)

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What you can expect from the personal insurance claim process: