Who Will Be Your Helping Hand When You Are Unable To Claim Your Benefit?

When a person is unable to perform his/her usual occupation due to any sickness or injury, they need professional insurance claims assistance which is perfectly suitable for a self-employed person, small business owners or professionals whose business match the ability to work.

Most workers have covered disability insurance claims through superannuation fund made by their employer. In most cases, the insurer will assess your disability insurance claims  against the appropriate policy. The insurer will use the information that the employer provide when making its assessment.

While choosing professional support regarding any insurance claim, they will be provided the following sections as well:

• Life Insurance
• Trauma Insurance
• Total and Permanent Disability Insurance
• Income Protection Insurance
• Continuance Insurance
• Business Expenses Insurance
• Early release of superannuation funds

Trauma arises due to a negative event that causes a long-lasting impact on the victim’s mental and emotional stability. It affects a person fastly and violently. Trauma is a normal reaction of a horrible event, that effect in both mentally and physically. The main sources of trauma are as follows:

•  Domestic Violence
• Rape
• Natural Disasters
•  Severe Illness or injury
• The death of a loved one
• Witnessing an act of violence

Mental health problem is often resulting in a traumatic event that has a significant impact on family, social, and working life. To reduce the stress one can try professional assistance regarding trauma claims to solve the problem.

Both physical and mental distress can happen by an accident and an injury that may result in the followings:

• Time off sick from work
• Forced to change the jobs
• The resulting drop in income
• Work pressure from employer
• Having to give up work

Psychological injuries are often caused by stressful events such as road accidents or criminal assault. These injuries include:

•        Post-traumatic stress disorder (PTSD)
•         Depression
•        Anxiety Disorder which is sometimes more cripple than a physical condition

A death benefit is a payout to the beneficiary of a life insurance policy, annuity or pension when the insured dies. It may be a large lump sum payment from a life insurance policy.

Sometimes, death claims may be straightforward sometimes not. But most Australian workers get their death claims assistance via superannuation fund. Followings are the common sources of death benefits:

• Social security survivor benefits
• Pension/retirement funds
• Railroad retirement
• Teacher’s retirement
• Miner’s benefits
• Trade Unions
• Credit Unions
• Public aid assistance

A death benefit claims must be submitted to the insurer with proof of death and proof of deceased coverage.  Death claims forms are submitted to each insurance company along with a copy of death certificate. If in any case, multiple beneficiaries are listed on a policy, each individual is required to complete a death claim to receive the benefit.