Terminal Illness Superannuation Claims
Access your super and life insurance early.
If you’ve received a terminal illness diagnosis, you may be entitled to access your superannuation and any associated insurance benefits early, providing vital financial support for medical treatment, daily living costs and your family’s future.
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At MK Allan Lawyers, we support clients across NSW to claim their terminal illness superannuation entitlements with care, clarity and compassion. We handle the paperwork, speak with the fund on your behalf, and work quickly to secure the outcome you deserve.
What is a terminal illness claim?
A terminal illness claim allows you to access the full balance of your superannuation early—including any life insurance (death benefit) that may be attached to your policy—if you have been diagnosed with a terminal medical condition.
To qualify, your doctor (and a second medical practitioner) must certify that your condition is likely to result in death within 24 months.
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You may be eligible to claim if:
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You have been diagnosed with a terminal illness.
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You hold a superannuation account.
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Your condition is certified by two registered medical practitioners.
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Your super fund includes terminal illness or life insurance cover.
FAQ's
How much is my terminal illness claim worth?​
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The value of your claim depends on your superannuation account balance and any life insurance cover attached to your fund. This can range from thousands to hundreds of thousands of dollars. We’ll review your policy and confirm your total entitlement.
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What documents are required?
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To make a terminal illness claim, you typically need:
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Medical certification from two registered doctors (with one being a specialist).
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Super fund membership.
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Proof of identity.
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How long does a terminal illness claim take?​
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Due to the nature and severity of terminal illness claims, our experienced lawyers aim to have your terminal illness claim completed as a matter of priority. Claims can take anywhere from 2 to 8 weeks, depending on how quickly the superfund processes the paperwork. We fast-track your claim wherever possible.​
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What happens if my terminal illness claim is denied?​
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If your claim is rejected, we will investigate the reasons, challenge the decision, and pursue an internal review or take legal action if necessary. Our goal is to secure the compensation you're entitled to. ​
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Do I need a lawyer for my terminal illness claim?
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Having a lawyer ensures your claim is complete, compliant, and supported by strong medical and legal evidence. We handle all communications with your super fund, protect your legal rights, and resolve disputes quickly so you can focus on what matters most.