Terminal Illness & Life Insurance

A common misconception is that you need to have stopped working before you can access your terminal illness benefit through super. You don't. This guide explains why employment status does not determine eligibility for a terminal illness claim, and what actually matters when you apply.

A terminal illness insurance claim through super lives or dies on the quality of the medical certification. This checklist explains exactly what your doctors need to certify, what documents you need to gather, and what Better Claim does to ensure nothing is missing before your claim is lodged.

Terminal illness claims are generally processed faster than TPD claims, but the timeframe depends on how well the claim is prepared and lodged. This guide gives you a realistic picture of terminal illness claim timeframes in Australia, what causes delays, and what Better Claim does to keep the process moving.

Many Australians with a terminal diagnosis also qualify for a TPD payout through their super fund. These are separate insurance benefits, and claiming one does not prevent you from claiming the other. This guide explains the difference between a terminal illness claim and a TPD claim, when you may be entitled to both, and how to pursue them at the same time.

The phrase 'life expectancy under 24 months' is the legal threshold that determines whether you can access your life insurance benefit early through your superannuation. This guide explains exactly what that phrase means, what your doctors need to certify, and why many valid claims are delayed or declined because of how it is applied.

Most Australians don't know that a terminal diagnosis can give you the right to access your life insurance payout before you pass away. Your super fund holds this benefit, but it won't come knocking. This guide explains how to access your life insurance benefit early, what the eligibility criteria are, and how Better Claim manages the entire process for you.

A terminal illness benefit allows you to access your super insurance, and sometimes your super balance itself, before you die. It is one of the least understood entitlements in the Australian super system. If you have been diagnosed with a life-limiting condition, you do not need to wait until you pass away for your family to benefit. This guide explains what the terminal illness benefit covers, who qualifies, and what to do if your claim has been delayed or denied.