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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.


Income Protection claims

Before you make a claim, check the waiting period that applies to your cover to see when you might be eligible for any benefits. To do this, login via Member Online or give us a call on 1300 368 891.

You may be eligible for Income Protection benefits once your waiting period has passed and if you satisfy the definition of Total or Partial Disability, as assessed by the Fund’s insurer. The disability definition will depend on a number of factors, some of which include if you are, as a result of your sickness or injury:

  • Unable to perform some of the Important Duties of your Usual Occupation.
  • Under the continuous care and following the advice for treatment of a doctor in relation to that sickness or injury.

Further details about Income Protection eligibility and definitions can be found in the Insurance in your super guide. For more details about the Income Protection claim process, see Making an Income Protection claim.

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