Frequently asked questions
Common questions about super claims, insurance through super, early access, and the Free Claim Check.
ClaimSure helps Australians take a simple first step when checking whether they may have insurance through super, retail insurance, or an early access to super pathway worth exploring. We focus on plain-English guidance, no jargon, and practical next steps.
A Free Claim Check is a no-obligation conversation where we help you understand whether there may be a relevant pathway worth exploring — whether that's insurance through super, retail insurance, early access to super, or something else. There's no cost and no commitment.
Yes — the Free Claim Check is completely free. There's no cost, no obligation to proceed, and no hidden fees. If your situation needs specialist legal or financial support, we may refer you to a trusted provider, who will explain their fees separately.
Yes. ClaimSure helps Australians right across the country. Most of our work is done by phone, video, or email so location is not a barrier.
Many super funds automatically include insurance such as TPD, income protection, or death cover. You may have it without realising. The Free Claim Check helps you check what's there and whether it may apply to your situation.
Yes — if you held cover in more than one super fund at the relevant time, you may be able to claim across all of them. People often have small or forgotten super accounts that still hold valuable cover.
TPD (Total & Permanent Disablement) typically pays a one-off lump sum when your condition is permanent and prevents you from working. Income Protection pays a regular monthly amount while you're temporarily unable to work. Many people may be eligible for both at different stages.
No. In many cases, people just need a clear place to start. We can begin with what you know — even if you're unsure of the details of your super accounts or insurance policies. We can help you find what you need.
It depends on your situation. The Free Claim Check itself usually takes 15 minutes. From there, claims can range from a few weeks (for things like terminal illness benefits) to several months or longer (for complex TPD claims). We'll give you a realistic timeframe up front.
Not always. Depending on the pathway, we can help you understand who to contact, or refer you to a specialist who can manage the claim with you. The aim is to make the process as straightforward as possible.
A rejected claim doesn't always mean the end of the road. There may still be options worth exploring — internal reviews, AFCA complaints, additional medical evidence, or different policy definitions. We can help you understand what may be possible.
Yes. Receiving the Disability Support Pension or other Centrelink support does not stop you from claiming TPD or other super insurance — they are separate systems. Many people on DSP have super entitlements they haven't claimed.
Mental health conditions including depression, anxiety, PTSD, and others can absolutely be the basis for a TPD or income protection claim. Many of our enquiries involve mental health conditions.
Time limits vary depending on the type of claim and the policy. Some pathways (like AFCA disputes) have specific deadlines. Others, like making a TPD claim for a long-standing condition, often have more flexibility. Don't assume it's too late — check first.
No. The Free Claim Check is general guidance to help you understand what pathways may be worth exploring. If your matter requires specialist legal or financial input, we'll refer you to a trusted provider from our professional network.
ClaimSure is not a law firm. We provide guidance and connect people with appropriate specialists — including lawyers — when their situation calls for it. Many claims don't need legal involvement; some do.
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