Members
Making a claim
Income Protection claims
How to claim:
SA Ambulance Service Income Protection Insurance provides standard contributory members with a fortnightly income of 75% of your salary for up to 24 months (or age 60, which ever occurs first) if you are temporarily disabled and unable to work. If you’re employed part time when you cease work, the amount will be 75% of your average hours over the past three years.
To make an Income Protection claim you must:
- be under 60
- wait 3 months following the day you ceased work due to your temporary disability to claim your entitlement1
- not be receiving or have received a workers' compensation benefit
- not be receiving annual or long service leave payments
- not be on Leave Without Pay
- provide details of your condition
- provide a medical report completed by your doctor.
Once we’ve received your claim form, the time taken to assess your claim may vary depending on the condition/s you have and the information that is available. Super SA will let you know of the progress of your claim along the way.
Total and Permanent Disablement claims
How to claim:
If you are permanently injured and unable to work due to Total and Permanent Disablement (TPD) your entitlement will be a lump sum calculated in the same way your normal retirement entitlement would have been at age 60, together with the total of your account balances.
To be eligible for a TPD entitlement, you must be absent from work for six months and the Trustee must be satisfied that after consideration of medical information and advice, you are incapacitated to such an extent as to render you unlikely ever to engage in or work for reward in any occupation or work for which you are reasonably qualified by education, training or experience.
Getting a termination certificate from your employer that states total and permanent disablement as the reason for termination streamlines the claims process, however, you must additionally:
- be under 60
- provide details of your condition by completing Part A of the form
- provide a medical report completed by your doctor.
Approval for the payment of a total and permanent disablement entitlement must be granted before your employer terminates your employment. Therefore, you shouldn’t resign or accept terminationon account of a total and permanent disablement without first obtaining written approval from the Super SA Board.
Once we’ve received your claim form, it may take anywhere from a few weeks to several months to complete the claims process. The time taken to assess your claim depends on the condition/s you have and the information that is available. Super SA will let you know of the progress of your claim along the way.
If you are eligible to retire before age 60 due to serious ill health you may be entitled to receive a lump sum entitlement.
[If you have to give up your employment permanently due to serious ill health you may be eligible to receive a lump sum based on:
- What you would have received had you been eligible for an early retirement benefit, plus
- An extra amount calculated using your current salary and assuming that you had worked to your normal retirement age
or - Three times your salary multiplied by your Salary Adjustment Factor plus
- Your Account Balances.
Super SA will determine whether you are eligible to receive payment due to serious ill health or total and permanent disablement. You cannot receive both entitlements.
Claiming for a deceased member
How to claim:
In the event of your death, a lump sum amount will be paid to your nominated beneficiary, spouse or legal personal representative. If you have taken out additional voluntary insurance, there will also be a lump sum, provided there is no limitation of entitlements on the insurance cover relating to the cause of death
In order to claim for a deceased member you must provide:
- a death certificate
- a marriage certificate or
- a statutory declaration stating that you are the partner of the deceased.
