Q: I was injured at work in March 2016, and have not worked since. I was paying income protection premiums. I was on a permanent contract at the time of the injury. The contract was to end in September 2016 placing me back into casual pool, but due to my injury I never went back to work. The super fund refuses to pay income protection to me even though I was paying premiums at the time. Am I entitled to my income protection?
I’m sorry to read about your circumstances, but unfortunately I am unable to comment on specific insurance claims.
You can make a complaint about your super fund’s decision (that is, about the insurance company representing your fund), and seek a review. You need to complain directly to your fund (check with your super fund about the complaints process), and for information about the complaints process generally, see SuperGuide article Super complaints: What happens when your super fund lets you down? .
If you are still unhappy with the decision, you can make a complaint to the Superannuation Complaints Tribunal (for the process, see the article link above).
You may also consider contacting the Far Work Ombudsman about your entitlements for workers’ compensation (see this link).
Note: In some circumstances, insurance companies won’t pay on income protection claims if the benefit you were to receive (for example, 75% of your usual income) was paid by another source while you were injured, such as workers’ compensation. The rationale is that you can’t be financially better off because of the injury, but the insurance and/or workers’ compensation is available to cover costs and replace income.