Employment Status & Terminal Illness Claims

Understanding Employment Status and Terminal Illness Claims

Understanding how employment status affects eligibility for a terminal illness claim is crucial for individuals navigating a terminal illness. Claimsplus Lawyers provides a detailed guide to clarify this relationship and offer expert insights.

Key Insights into Terminal Illness Claims and Employment Status

Independence from Employment Status

• Terminal illness claims in superannuation are primarily based on medical prognosis, not employment status.

• The critical factor is a diagnosis with a life expectancy of under 24 months.

Considerations Regarding Work Capacity

• Ceasing employment is not a prerequisite for making a terminal illness claim.

• The severity of the illness may naturally affect an individual’s ability to continue working, but it is not a formal requirement.

Important Factors to Consider

Emphasis on Medical Certification

• The validity of a terminal illness claim hinges on medical evidence.

• Certification from two registered medical practitioners, including a specialist in the relevant field, is required to confirm the terminal nature of the condition.

Personal Decision on Working

• The choice to continue or stop working after a terminal illness diagnosis is deeply personal.

• Some individuals may keep working for as long as possible, while others may prioritise rest and spending time with family.

Financial Considerations Beyond Superannuation

• Beyond early access to superannuation benefits, evaluate other financial factors such as:

  • Income protection benefits.

  • Disability insurance payouts.

• These considerations can be crucial if deciding to cease employment.

Support from Claimsplus Lawyers

Navigating the relationship between employment status and terminal illness claims can be complex. Claimsplus Lawyers offers:

• Clarity on how work status interacts with claim eligibility.

• Expertise in superannuation law to ensure your claim is managed effectively.

Our team is committed to providing guidance and support tailored to your unique situation, helping you understand your options and make informed decisions.

Contact Claimsplus Lawyers Today

For expert guidance on superannuation claims and entitlements, contact us today:

For any inquiries or additional support regarding terminal illness claims in superannuation, contact Claimsplus Lawyers directly. Our experienced team can:

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