How to make an insurance claim

05 February 2020

Person signing document

We know it can be a tough time when you are making an insurance claim, so we work hard to give you the assistance and support you need to navigate through the claims process.

If you or your dependents need to make a claim, here’s what you need to know.

Before making an insurance claim please check:
You are a member of BUSSQ
Premiums for your insurance cover are being deducted from your superannuation account, and
If you are claiming a disability benefit, that you meet the definition of Total and Permanent Disablement (TPD) and Total and Temporary Disablement for Income Protection Insurance. 
If you are claiming an Income Protection benefit, that you can provide satisfactory proof that:
o if you are a permanent employee or self employed, you have worked an average of at least 15 hours per week over the 6 consecutive months prior to the date of disability; or
o if you are a casual employee or contractor, you have worked an average of at least 30 hours per week over the 24 consecutive months prior to the date of disability.
o if you are unable to provide the required proof, your claim will be declined.

Examples of satisfactory proof include:
o invoices or document on company letterhead stating hours worked,
o copy of work contract for periods working as a contractor,
o payslips. 

A PAYG Payment Summary or Income Tax Return is not an acceptable form of proof as it does not mention the hours worked. You will also be required to provide proof of your income over the 12 months prior to the date of disability.

For more information call and speak to one of our friendly team who can assist you with your insurance claim on 1800 692 877.

This information is general advice only and does not take into account or consider your personal objectives, financial situation or needs. Before acting, you should review the relevant Product Disclosure Statement to ensure you have all the information about the relevant BUSSQ product and how it works and consider the appropriateness of the information to your needs or seek independent advice from a properly qualified professional. Past performance is not a reliable indicator of future performance. Prepared by BUSS(Queensland) Pty Ltd ABN 15 065 081 281, AFSL 237860, Trustee of Building Unions Superannuation Scheme (Queensland) (BUSSQ) ABN 85 571 332 201. 


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