Make a claim

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aem-GridColumn aem-GridColumn--default--12"><div data-cmp-is="headerbanner" class="HeaderBanner HeaderBanner--variant-large-image HeaderBanner--alignment- HeaderBanner--has-image"> <div class="HeaderBanner__Gradient"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-654b1af931" class="Breadcrumb Breadcrumb--theme-light" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <div class="HeaderBanner__Container"> <div class="HeaderBanner__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class=" aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--12 "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">How to make an insurance claim</h1> </div> <div class="HeaderBanner__SubHeading"> <p class="p1">We understand you may be going through a difficult time. Delivering on our claims philosophy, we are here to ensure all genuine claims are assessed and paid as soon as possible.</p> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Image "> <img class="HeaderBanner__Image__Desktop " src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_wind_turbine.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_mobile_wind_turbine_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-94582e406f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--10 aem-Grid--default--8 aem-Grid--phone--10 "> <div class="text aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-706c13cac1" class="cmp-text"> <h3>Keep in mind</h3> <ul><li>We’re committed to making the claims process as smooth as possible. Take a look at <a data-tracker-locationid="cfs | text1-ourclaimsphilosophyandtheclaimsphilosophyofourinsurer" href="https://www.cfs.com.au/personal/resources/faqs/superannuation/claim-philosophy.html">our claims philosophy and the claims philosophy of our insurer</a> (AIA).</li><li>You can refer to the <a href="https://www.cfs.com.au/content/dam/prospects/fs/7/5/fs7575.pdf" target="_blank" title="Insurance claims fact sheet" data-tracker-locationid="cfs | text1-insuranceclaimsfactsheet" rel="noopener noreferrer">Insurance claims fact sheet</a>, and a <a href="https://www.cfs.com.au/content/dam/prospects/fs/7/5/fs7574.pdf" target="_blank" title="Step-by-step claims guide" data-tracker-locationid="cfs | text1-stepbystepclaimsguide" rel="noopener noreferrer">Step-by-step claims guide</a> to understand the claims process and how we handle claims.</li><li>For our members with Salary Continuance Insurance (SCI), also known as Income Protection (IP), <a href="https://www3.colonialfirststate.com.au/content/colonial-first-state/en/personal/resources/faqs/superannuation/rehab-services.html" title="Rehabilitation services being offered" data-tracker-locationid="cfs | text1-theinsureroffersrehabilitationservices">the insurer offers rehabilitation services</a> that can help you get back on your feet.</li></ul> </div> </div> <div class="divider container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="divider-51e5998c68" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--10 aem-Grid--default--8 aem-Grid--phone--10 "> </div> </div> </div> <div class="spacer aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="text aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-6dacf5907d" class="cmp-text"> <h3>What you'll need</h3> <ul><li>Your account number</li><li>Details of the reason for your claim</li><li><a href="https://www3.colonialfirststate.com.au/personal/resources/faqs/superannuation/find-out-what-documents-you-need-to-start-your-claim.html" title="How to start your claim" data-tracker-locationid="cfs | text2-documentationyouneedtostartyourclaim">Documentation you need to start your claim</a> </li></ul> <p>Don't worry if you’re having trouble gathering this information. Just get together as much as you can.</p> </div> </div> <div class="divider container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="divider-767f31eefc" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--10 aem-Grid--default--8 aem-Grid--phone--10 "> </div> </div> </div> <div class="spacer aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="title aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div id="title-149aa4e20c" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">The steps</h3> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h2"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span></span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="text tabCordion--entry-content"> <div id="text-3ac29dbc0b" class="cmp-text"> <ul><li>FirstChoice members <a href="https://www3.colonialfirststate.com.au/content/colonial-first-state/en/about-us/contact-us/contact-details.html" title="Contact us" data-tracker-locationid="cfs | text1-cancalloremailustostartyourclaim">can call or email us to start your claim</a>. You can also download claim forms online.<br /> </li><li>FirstWrap members <a href="https://www3.colonialfirststate.com.au/about-us/contact-us/contact-details.html" title="Contact us" data-tracker-locationid="cfs | text1-cancallus">can call us</a> or contact your financial adviser to start your claim.<br /> </li><li>Our representatives will spend some time discussing your situation, explain how your claim will be assessed and what information you need to provide.</li><li>You’ll be sent a claims kit, generally by email or post, within 48 hours. This pack will include a letter explaining the next steps and relevant claim forms.</li></ul> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span></span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="text tabCordion--entry-content"> <div id="text-c02620f7d4" class="cmp-text"> <ul><li>You can return your claim forms by email or post to the address on the forms. They may request more information from you to progress your claim.<br /> </li><li>FirstChoice members can also <a href="https://www.colonialfirststate.com.au/Firstnet/Login.aspx?CompanyCode=001" target="_blank" title="Submit your form via e-Post" data-tracker-locationid="cfs | text1-logintofirstnetandsubmityourcompletedformvianbspepost" rel="noopener noreferrer">log in to FirstNet and submit your completed form via e-Post.</a></li></ul> <p>You’ll be assigned a dedicated claims assessor by the insurer, who will get in contact with you once they've reviewed your claims information, and will be your main point of contact.</p> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span></span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="text tabCordion--entry-content"> <div id="text-592c7f1421" class="cmp-text"> <ul><li>For accepted salary continuance or income protection claims, you’ll be paid as quickly as possible after the waiting period has expired.<br /> </li><li>For accepted total and permanent disablement, death and terminal illness claims, the payment will be credited to your super account. You’ll need to meet the condition of release for the funds to be paid to you. This can take a few months depending on your circumstances.<br /> </li><li>As the Trustee, we’ll review all claims that are declined by the insurer. This makes sure they have been correctly assessed and that the claim decision is fair and reasonable. <a href="https://www3.colonialfirststate.com.au/personal/overview/super-overview/insurance-in-super.html" title="Information on the role of the insurer and trustee." data-tracker-locationid="cfs | text1-heresmoreinformationontheroleoftheinsurerandtrustee">Here’s more information on the role of the insurer and trustee</a>.</li></ul> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="divider-0ac733a848" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--10 aem-Grid--default--8 aem-Grid--phone--10 "> </div> </div> </div> <div class="spacer aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; 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