Sometimes things don’t go to plan — that's why we have insurance.
If you need to make an insurance claim, we're here to help. We understand this can be a stressful time for you and your loved ones, so we'll work to make the process as quick and fair as possible.
To start a claim, please call us on 1300 133 177.
Where will my claim money be paid to?
Income Protection (IP) benefits will be paid to your nominated bank account monthly in arrears while you continue to meet the requirements of the claim. Income tax is payable on IP payments, so you’ll need to complete a tax file number (TFN) declaration form.
Total and Permanent Disablement (TPD) benefits and Terminal Illness benefits are paid into your superannuation account. We will provide details on how to access the benefits once the Insurer has admitted and paid your claim.
Death benefits are paid into your superannuation account. We will provide details and communicate with beneficiaries.
I’m making a claim as a beneficiary — where do I start?
Contact NGS Super on 1300 133 177 and we will provide you with the information and requirements needed to initiate a claim.
What can I do if my claim is not accepted?
If your claim is not accepted by the insurer, the trustee will complete an independent review of the decision and the evidence relied upon. The review will determine whether the insurer’s decision to not accept your claim was fair and reasonable. If we do not agree with the insurer’s decision, we will ask the insurer to reassess your claim. The insurer may request more evidence during their review.
If the decision is upheld by the insurer, the Fund’s Claims Review and Insurance Committee will review the decision and we will let you know the outcome in writing. You should provide any new evidence you may have to support your claim. If your claim is still not accepted, you have the right to appeal against the decision.
If you’re still dissatisfied with the decision, you may put your concerns in writing to NGS Super’s Complaints Officer and a further review will be undertaken.
If you are still not satisfied after that review, you can lodge a complaint within 2 years with the Australian Financial Complaints Authority (AFCA). You can read our Complaints FAQ for more detail.
The value of insurance
With the right type and level of cover, you can protect yourself and your family if the unexpected were to happen.