Whether or not you are hurt at work, become very ill or have suffered an injury that is your own fault or not you may have a right to an award from your own superannuation funds.  This can apply if you have had to stop work or suffered a particular illness.

Most - but not all - superannuation policies include extra benefits for disability and death. If you are injured and unable to work again you may have access to Total & Permanent Disability (TPD) cover.  Call your fund and ask if you have that cover. 

Superannuation and insurance can be confusing.  It's important to know your rights and the information you need to provide before you claim  Since 1992, workplace superannuation has been compulsory. Employers must pay at least an extra 9% of your salary into a superannuation fund if you earn at least $450 a month and are between 18 and 70 years old..  You can look here for some free advice.

Employer contributions must usually stay in a superannuation fund until you retire after age 55 or 60.

But what if I need that super now?

If you are injured or ill, you may be able to access your superannuation now. Your injury or illness does not have to be work-related. For example, a heart attack, Chronic Fatigue Syndrome, cancer, Multiple Sclerosis, mental illness or an injury suffered at home, on the road or outside work can be used for your disability claim. It usually doesn't matter if you had the injury or illness before you joined the superannuation fund.  It's important to get advice from experts.

You need to seek legal advice from a reputable lawyer if your insurer is unreasonably refusing the claim or you need help to organise medical reports and submissions.