Make a claim

If you need to make an insurance claim, we urge you to contact us so we can take you through the claim process. We’ll explain the steps involved and make sure you’re looked after throughout the process. Some things to consider:

Total and Permanent Disablement (TPD) claims

You may be eligible for a TPD benefit if you satisfy the definition of Total and Permanent Disability, as assessed by the Fund’s insurer. The insurer must be satisfied that your ill-health (whether physical or mental) makes it unlikely that you will at any time in the future engage in gainful employment for which you are reasonably qualified by education, training or experience.

The TPD definition that applies to you will depend on a number of factors, some of which are:

• When you joined Mercy Super.
• Your occupation.
• Your age.
• How much you were working immediately prior to becoming disabled.

The insurer will only consider your claim once you’ve been off work for at least three consecutive months due to ill health or injury, unless you are suffering Paralysis (Read the Insurance in your super guide for more information).

Further details about TPD eligibility and definitions can be found in the Insurance in your super guide. For more details about the TPD claim process, see Making a Total and Permanent Disablement claim.