Making a Claim
Making a claim for Income Protection Insurance
Income Protection (IP) Insurance protects your greatest asset: you. Here’s how to make a claim for IP Insurance.
The Triple S Income Protection Insurance covers you if you can’t work due to injury or illness.
To be eligible for IP payments, you must
- Have IP Insurance cover. Note: You will not hold IP cover in respect of any employer who you have made a fund selection to another super fund for ( other than to Super SA Select).
- Be incapacitated for work
- Be under 65
- Be off work due to incapacity for more than the duration of the waiting period (i.e. 30 or 90 days)
- Not be receiving compensation under the Return to Work Act
- Not be receiving annual, long service, sick leave or other paid leave
- Lodge your claim within six months of ceasing to be engaged in employment due to illness or temporary disablement (the day you last physically went to work) or if you have been receiving Workers Compensation payments or paid leave since the last day you worked, within six months of the date when paid leave or Return to Work payments ceased
- Provide details of your condition
- Still be employed within the SA public sector
- Not be claiming for a medical condition that existed when you made a fund selection back to Triple S or Super SA Select, unless you have continued to work in the public sector for more than 12 months since making a fund selection back to Triple S or Super SA Select.
To make an Income Protection claim, click here.
Frequently Asked Question
When do I lodge an Income Protection Insurance claim?
You should lodge the Income Protection claim as soon as possible.
You can even lodge your Income Protection claim prior to the end of the 30 or 90 day waiting period. However, you won’t receive a benefit for the duration of the waiting period.
Please note to lodge an Income Protection claim, it is important to apply:
- Within six months of the last day you worked, or
- If you have been receiving Workers Compensation payments or paid leave since the last day you worked, within six months of the date when paid leave or Return to Work payments ceased.
Failure to apply within the required timeframe may result in your claim being ineligible.
How do I make a claim for Income Protection Insurance?
We’ve prepared an Income Protection claims kit to help you navigate the process.
Please contact us on 1300 369 315 and we will provide you with an overview on how to claim and send the kit to you. In the kit, you’ll find a step-by-step guide on how to make your claim, as well as any relevant information on waiting periods and payments.
What if my claim is declined?
If your claim is declined, you will be advised in writing as to why.
If you don’t agree with the decision, you can request to have the decision reviewed by the Super SA Board and provide additional information to support your request.
You can also lodge a complaint to us writing.
Does it cost anything to lodge a claim?No. However, you will have to pay the cost of providing any medical evidence to support your claim, and any ongoing reports requested by Super SA from your treating doctors.
When will Income Protection Insurance payments start?
Subject to your benefit waiting period, payments will commence once your claim is approved. Once approved, payments (made fortnightly in arrears) will generally be backdated to either the expiry of the waiting period, or the last day of your paid leave – whichever is later.
If you are receiving income from employment during the time you’re receiving IP benefits from Super SA, your IP payments may be reduced.
When do my Income Protection Insurance payments stop?
IP benefits will stop when you are no longer incapacitated, you reach your maximum payment period or cover expiry (age 65), your paid employment means that you are no longer entitled to a benefit or when you don’t provide medical evidence requested by Super SA.
They’ll also end if your employment with the SA public sector terminates for any reason.
See the factsheet for more information on circumstances when your IP payments can end.
To prevent overpayment of your benefit, it’s important that you notify Super SA as soon as possible if your circumstances change. Any overpayments will need to be paid back to Super SA.
Is there a cut-off for lodgement of a claim?
You must lodge your claim within 6 months of ceasing to be engaged in employment due to illness or temporary disablement (the day you last physically went to work).
Or if you have been receiving Workers Compensation payments or paid leave since the last day you worked, within six months of the date when paid leave or Return to Work payments ceased.
How do I cancel my Income Protection Insurance?