What happens if you or your dependents need to make an Insurance claim?
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. See Definitions to help you understand your coverage.
- If you are claiming an Income Protection benefit, that you can provide satisfactory proof that:
- 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
- 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.
- if you are unable to provide the required proof, your claim will be declined.
Examples of satisfactory proof include:
- invoices or document on company letterhead stating hours worked
- copy of work contract for periods working as a contractor.
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.
Total and Permanent Disablement Insurance claims process
- When you advise BUSSQ of your Total and Temporary (TTD) or Total and Permanent (TPD) insurance claim, you will be transferred to a OnePath claims specialist who will take the details of your claim over the phone. After this telephone appointment is completed OnePath will assign you a claims manager who will work with you throughout the claims process.
- It is important to note that you do not require a solicitor to lodge an insurance claim. Forget the Lawyers - claim direct with BUSSQ and save.
- You may be required to obtain information from your medical practitioner(s) or your employer (if applicable).
OnePath may decline your insurance claim for any of the following reasons:
- You were not an insured BUSSQ industry super fund member at the time the injury occurred
- You did not meet the definition of Total and Permanent Disablement or Total and Temporary Disablement for Income Protection insurance, or
- You do not comply with the duty of disclosure outlined in your super fund Member Application or Insurance Application or Personal Statement of Health.
Death Insurance Claims Process
In case of a Death Insurance Benefit, your dependents will need to contact BUSSQ. Our insurance specialists are available to guide you through the process and provide you with the necessary forms required.
Call and speak to one of our friendly team who can assist you with your insurance claim on 1800 MY BUSSQ (1800 692 877).
See more information on Death Claims.
Also refer to the Frequently Asked Questions for more information about who can claim and details of what the benefit consists of.
See changes to insurance effective 1 March 2017
Please note: In the event of a dispute, the insurance policy document will override the relevant Product Disclosure Statement and the information contained within this website.