One of the benefits of having insurance through your membership is having our support whenever you need to make a claim.

Need to make a claim?

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How to make a claim

First call us and tell us about your situation. You will need to provide the date of your disablement, which is typically the date you last worked.

We can then verify that your cover was valid for that period, and send out a package of forms to be completed by the person named in the form title.

Once you have completed and sourced all requested information, post it to us:

Aware Super, PO Box 1229, Wollongong, NSW 2500.

Depending on the complexity of your claim, you may also be asked to provide additional forms and information either from yourself, a medical professional, your employer, Centrelink, or a related third party.

If you are asked to provide further information, it’s best to respond as quickly as possible to ensure your claim is not delayed or deferred.

You can learn more about the total and permanent disablement claims process by downloading our fact sheet below.

How to claim a total permanent disability benefit

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Under your insurance policy, terminal illness is a condition that is likely to result in your death within a period of 12 months, as certified by two medical practitioners, of which at least one specialises in that illness.

For the full definition of terminal illness, please refer to the Insurance Member Booklet relevant to you.

If you don’t have death cover, you may be eligible to have your super released early as a tax-free lump sum.

If you are insured, please contact us so we can confirm your cover is valid, and send out the correct forms for you to complete.

To access your super as a lump sum due to terminal illness, contact us and we will talk you through what forms are required.

You can learn more about the terminal illness claims process by downloading our fact sheet below.

How to claim a terminal illness benefit

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To claim on your income protection insurance, you must meet the insurance policy definition of being partially disabled or totally disabled.

There are several components to the definition. Please refer to the Insurance Member Booklet Supplement relevant to you for the full definition. 

To make a claim, please contact us so we can ensure you are covered for the relevant date, and send out the necessary forms to start the claims process.

You may also need to provide certified proof of age and identity.

Once you have completed and sourced all requested information, post it to us:

Aware Super, PO Box 1229, Wollongong, NSW 2500.

If your claim is accepted by the insurer, an ongoing benefit may be paid to you on a monthly basis during the benefit period. We will monitor your progress by requesting a completed progress form and attending doctor’s statement each month of the benefit period.

You can learn more about the income protection claims process by downloading our fact sheet below.

How to claim an income protection benefit

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We manage the distribution of a death benefit with the member’s legal representative or directly with the beneficiary. We’re here to guide the beneficiaries of our members who’ve passed away, through the process of making an insurance claim.

Learn more about Making a beneficiary claim

Our approach to claims

Claims tend to follow difficult times in our life. Our job is making sure your claim runs as smoothly and quickly as possible. We care deeply, we explain the process, answer your questions, and update you along the way.

Essential information only
 

There’s always some documentation required. We keep it as simple as we can and explain what’s needed and why.

Efficient, ethical claims management
 

We choose insurers whose claim approach aligns with ours. Our claims review and oversight processes make sure all valid claims are paid correctly and promptly.

Acting for you
 

We’re here to help and advocate for you and your beneficiaries. If you’re unhappy with the outcome of your claim, we have a simple process if you wish to make a complaint.

Your health and wellbeing

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