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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Preparing for a claim

Not all insurance policies and processes are the same, but in any situation, it’s best to contact us as soon as possible.

There are a few things you can do before getting on the phone to make sure you’ve got the right information in hand.

We can confirm if your insurance cover is valid, and following your phone call we’ll send out a pack containing all the forms needed to initiate your claim.

When you send them back to us, we’ll do a thorough check to make sure you’ve provided all the necessary information before sending it on to our insurer.

If your claim is deferred or declined by the insurer, we’ll act on your behalf to ensure their decision was fair and reasonable.

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:

First State 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.

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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.

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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:

First State 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.


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