It doesn't matter if you have been paid out your superannuation contributions even if that happened a long time ago. Disability claims can also be made by the estate of a person after they die. There will be claim forms to fill in and medical reports and other papers to send in. It is important to give the right information and reports to help a disability claim. If a claim is rejected, you can appeal to a Court or the Superannuation Complaints Tribunal.
Many appeals win or are settled.
Get help with a claim or appeal. Some people with Chronic Fatigue Syndrome may be able to claim disability benefits from other insurance or superannuation policies they have. Some people have their own superannuation or life insurance policies which may include disability lump sums or premium waiver benefits. Most self-employed people have income protection insurance to cover them if they can't work. Banks and finance companies ask their customers to take out insurance to cover mortgage or loan repayments if they can't keep up the payments because of disability.