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The insurance benefits offered to Australian Catholic Superannuation members are provided by our insurer, OnePath. OnePath is part of the ANZ Banking Group which has been in operation for over 175 years. OnePath is one of Australia’s leading providers of life and general insurance and has a strong record of claim payments.
Below is the current approved claim rate for all claims made (since 1 July 2006 to October 2015) by members of the Fund:
OnePath and Australian Catholic Superannuation are committed to ensuring that all genuine claims are treated with understanding and in an efficient manner.
Many members believe they require legal representation to make a claim, but this is not the case.
In fact, the vast majority of genuine claims are straight-forward and all claims can be lodged directly through Australian Catholic Superannuation.
Many members are already experiencing great financial stress at the time of making a claim and this can be exacerbated further once costly legal fees are deducted from members’ benefit entitlements.
It’s also important to note that there are appeals procedures in place should you not be satisfied with the way that your claim has been assessed.
So, prior to signing a contract with a lawyer to act on your behalf, you should expect the procedures, costs, timeframe and risks involved in taking the matter to court to be clearly explained to you. It’s possible that you could not only lose the case, but also have costs awarded against you. In this case, you would have to pay your own lawyers and the legal costs incurred by the insurer. This can prove to be a very expensive and uncertain course of action.
Outlined below is a simple step-by-step guide on making an insurance claim directly through our Fund.
Even if you do not have TPD insurance cover, you should still contact the Fund as you may be able to claim your accumulated superannuation balance.
At Australian Catholic Superannuation, we have an extremely high rate of approval for claims paid, as shown in the approval rate table above.
However, in the event that your claim is refused and you feel dissatisfied with the explanation given as to why, you can request that the Fund take your claim back to the insurer for reassessment—perhaps with further evidence included to substantiate the claim. This process may require you to submit to an independent medical assessment, the costs of which are normally paid by the insurer.
Negotiation and conciliation is worth the time involved, as a dispute can often be resolved by thorough investigation and mutual agreement.
If you still remain unsuccessful and wish to challenge the decision and escalate your claim, then the next step would be to send a formal written complaint to the Fund’s Complaints’ Officer. The Trustee will try to resolve your complaint quickly and fairly, in consultation and negotiation with the insurer.
In the event that you’re not satisfied with the Trustee’s decision, or if the decision is not made within 90 days, you may take the complaint further by forwarding it to the Superannuation Complaints Tribunal (SCT).
The SCT is an independent body set up by the Government to hear complaints by members or their beneficiaries against certain types of decisions made by superannuation fund trustees.
A determination will be made by the SCT. It’s only if you wish to challenge this the SCT determination that you would normally require the services of a lawyer.
The SCT will not hear a complaint if court proceedings have already commenced. However, you are still entitled to take legal action if you lose your action with the SCT.
The SCT process is also available to members should they be dissatisfied with the outcome of their claim.
You can write to the SCT after you have lodged a complaint through the Fund’s internal complaint procedures.
There’s no cost to members to make use of this service.
If you would like more information on how to go about making an insurance claim or to check on the progress of an existing claim, call us on 1300 658 776.
You can also call us for over-the-phone financial advice so we can help you determine whether your current type and level of insurance cover is adequate for your personal circumstances.
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