Terminal Illness Claims

What Is a Terminal Illness Claim?

A terminal illness claim allows you to access your life insurance or superannuation death benefit early if you have a terminal medical condition.

This type of claim provides a tax-free lump sum if:

• • • You are diagnosed with an illness or injury that is likely to result in death within 24 months
    • Two medical practitioners (including one specialist) certify your condition
    • You hold life insurance or death cover within your super fund (which most Australians do)

This lump sum is intended to relieve financial pressure and provide dignity, security, and peace of mind in a difficult time.

Who Can Make a Terminal Illness Claim?

You may be eligible if:

• • • You have a terminal diagnosis and have been given a life expectancy of 24 months or less
    • You hold life insurance through your super fund or as a standalone policy
    • Two doctors, one being a specialist, have certified your condition
    • Your insurance policy includes early release for terminal illness (most do)

Common conditions that may lead to a terminal illness claim include:

• • • Advanced cancer
    • Late-stage neurological diseases (e.g. motor neurone disease, multiple sclerosis)
    • End-stage organ failure (heart, liver, kidney, lung)
    • Degenerative illnesses with a poor prognosis

Our claims advisors will review your policy and medical documentation to confirm your eligibility—at no cost to you.

Why Choose Aussie Injury Claims?

Dealing with a serious diagnosis is hard enough. You deserve a team that not only understands the process but also treats you with dignity and compassion.

Here’s why families choose Aussie Injury Claims:

• • • Compassionate Support: We’re here to listen, help, and guide with care and sensitivity.
    • No Win, No Fee: You don’t pay unless we successfully secure your benefit.
    • Fixed, Low Fees: We charge less than most, with no hourly rates or surprise bills.
    • Clear Communication: We explain everything in plain language, without legal jargon.
    • All Claim Sizes Accepted: Whether your policy is large or small, we’ll help you claim what you’re entitled to.

We’re not a law firm. We’re a claims advisory team who genuinely care about making things easier during a difficult time.

What Can the Lump Sum Be Used For?

Once your claim is approved, the funds are yours. Many of our clients choose to use the payment for:

• • • Medical expenses or alternative therapies
    • Home care or palliative support
    • Paying off a mortgage or debts
    • Supporting family members or final arrangements
    • Creating experiences and memories with loved ones

You’ve worked hard for your super. A terminal illness claim gives you the option to use those funds when they’re needed most.

Common Issues with Terminal Illness Claims

Even though the rules are clear, terminal illness claims are sometimes delayed or wrongly denied. Our team helps resolve common issues like:

• • • Missing or incomplete medical certificates
    • Disputes over eligibility based on policy wording
    • Misunderstandings between your doctors and the fund
    • Delays from the insurer or super fund requesting more information

We know what documentation is needed and how to present your claim for the best chance of approval.

How Long Does It Take?

In many cases, terminal illness claims can be processed within 4–8 weeks, sometimes even faster. However, delays can happen if:

• • • Medical documents need clarification
    • Your super fund needs more time to assess the application
    • You have multiple super accounts with different rules

We do everything possible to fast-track your claim and keep you updated at every step.

What If You’re Too Unwell to Manage the Claim?

We understand that you may not be in a position to handle forms or make phone calls. That’s why we:

• • • Work directly with your nominated family member or carer
    • Assist in appointing someone as your representative
    • Minimise paperwork and simplify the process as much as possible

You don’t need to go through this alone. We’ll be by your side from start to finish.

What Makes Us Different?

At Aussie Injury Claims, we focus on people—not policies.

• • • We handle all the heavy lifting so you can focus on what matters
    • We accept all claim sizes and never turn clients away based on value
    • We prioritise compassion just as much as results
    • We never charge upfront fees—because accessing support shouldn’t come with financial stress

If you’ve spoken to other firms and felt overwhelmed or dismissed, please speak with us. We’re here to help—without judgment, pressure or red tape.

Ready to Start Your Claim?

If you or a loved one has been diagnosed with a terminal illness and you’re not sure how to access financial support, we’re here to help.

Free Claim Review
No Win, No Fee
Fast Turnaround
Trusted by Families Across Australia

You’ve contributed to your super all your working life. Let us help you access the benefits when they matter most.