Your first step should be speaking to the person or company you opened a policy with, i.e. your insurer, insurance broker, superannuation fund or employer.

They will explain how the claims process works and what forms you need to complete. From there you may need to provide your insurer with:

• Medical reports and test results
• Details about your work duties
• Payslips and tax returns
• A death certificate

Once your insurer has all the information they will process your claim and give you a result within a timeframe governed by the Life Insurance Code of Practice.

If you would like help making the claim, feel stuck, confused or bullied at any stage of this process, get in touch with your local Taxcellent Consulting Services office and we can help you get the result you deserve.