TPD and IP claims / Am I entitled?
Australian Retirement Trust
Cover we have found with Australian Retirement Trust for clients who did not know it was there, with anything that could identify them left out. Tae & Partners is not affiliated with Australian Retirement Trust.
Claiming TPD with Australian Retirement Trust
A TPD claim is made to the fund, not straight to the insurer. The trustee of Australian Retirement Trust receives the claim and passes it to the insurer that holds the group policy, the insurer assesses it against the policy's definition of total and permanent disability, and the trustee then decides whether to accept the insurer's decision. If the claim is paid, the benefit goes into your Australian Retirement Trust account before it is released to you.
What matters most is the definition in the policy that applied when you stopped work, and whether your cover was still in force at that date. Policies change over time, so the current product disclosure statement may not be the one that applies. If you have more than one super account, each may hold its own cover and each claim is made separately. Our article on the fund, the trustee and the insurer explains who does what, and what you can do if you disagree with a decision.
Are you a Australian Retirement Trust member?
If illness or injury has stopped you working, it is worth finding out what cover sits in your Australian Retirement Trust account, and in any other super accounts from past jobs. Our page on TPD and income protection claims explains how a claim is assessed.
Check your entitlementThis information is general only and does not constitute legal advice. Every policy is different, and past examples do not mean the same outcome for you.