Long Covid Financial Support

Has Long Covid Affected Your Ability to Work?

At Claimsplus Lawyers, we specialize in helping individuals impacted by Long Covid access financial support through their superannuation and personal insurance policies. Long Covid can lead to a variety of debilitating symptoms that may prevent you from working full-time or significantly reduce your ability to maintain employment. If you're facing this challenge, we can assist in securing the financial benefits you're entitled to, so you can focus on recovery.

What Is Long Covid?

Long Covid, also called "post-acute sequelae of COVID-19," is a condition where symptoms persist for more than 12 weeks after the initial infection. According to Australian health guidelines, it affects many people who have had Covid-19, potentially impacting their ability to work and manage daily tasks. Common symptoms include:

• Extreme fatigue
• Shortness of breath, chest pain, or heart palpitations
• Cognitive difficulties such as memory loss or concentration issues ("brain fog")
• Muscle and joint pain
• Changes in taste or smell

Research shows Long Covid may affect up to 30% of individuals who contract the virus, with higher rates among hospitalized patients. Recognising the growing concern, the Australian Government has expanded healthcare services and multidisciplinary treatments to support those suffering from Long Covid.

Financial Assistance for Long Covid Sufferers

If Long Covid has impaired your ability to work, you may be eligible for financial relief through your superannuation or personal insurance policies. Many Australians are unaware that their superannuation may already include insurance coverage for situations where illness or injury prevents them from working. The types of coverage available include:

• Income Protection: Covers up to 75% of your income if you can’t work due to illness, such as Long Covid.
• Total and Permanent Disability (TPD): A lump sum payment if you are permanently unable to work.
• Trauma Insurance: A lump sum for major illnesses, including chronic conditions.
• Death Cover: A lump sum paid to your beneficiaries upon your death.

Even if your superannuation shows "nil cover," there may still be policies that could allow you to claim. Claimsplus Lawyers can help you identify these policies and assist with lodging your claim—at no upfront cost.

Government Support for Long Covid

The Australian Government has made significant investments to support those affected by Long Covid. In early 2024, the government allocated $50 million towards Long Covid research and another $50 million for healthcare innovations to treat chronic conditions. This funding aims to improve access to multidisciplinary care, helping healthcare providers better manage symptoms and provide long-term recovery support.

The government’s recognition of Long Covid as a chronic illness strengthens the case for individuals seeking financial assistance through their personal insurance and superannuation, acknowledging its real impact on employment and daily life.

How to Qualify for Financial Support

If Long Covid prevents you from working full-time or has significantly reduced your capacity to work, you may be entitled to financial relief. Your doctor must confirm that Long Covid is impacting your ability to work. Once you have a diagnosis, Claimsplus Lawyers can assess your eligibility for a claim and guide you through the process.

We offer:

• Free assessments to determine your eligibility
• Fixed fee pricing, so you know the cost upfront—no hidden fees
• Expert assistance in navigating insurance claims through superannuation
• A no-win, no-fee guarantee—no payment unless your claim is successful

Key Considerations for Long Covid Claims

• Superannuation Insurance: Many superannuation funds include default insurance, such as income protection and TPD coverage.
• Waiting Periods: Long Covid typically exceeds the 30-day waiting period required by most insurance policies, making it eligible for claims.
• Returning to Work: Some policies allow part-time work while receiving insurance payments to supplement reduced hours.
• Multiple Claims: You may be able to receive payments even if you're already receiving Workers' Compensation or NDIS benefits.

How Claimsplus Lawyers Can Help You

At Claimsplus Lawyers, we simplify the process by thoroughly reviewing your circumstances to determine if you're eligible for personal insurance payments. We guide you from start to finish, ensuring you receive the financial support you deserve while you focus on your recovery.

Let us help you secure the income protection, TPD, or trauma insurance available through your superannuation. We’re here to ensure you have access to the financial assistance you need, allowing you to prioritise your health and recovery.

Choosing Claimsplus Lawyers' "Pay on Success" policy means you benefit from expert legal representation with the reassurance that fees are contingent upon winning your case. This approach minimises your financial risks while maximising our commitment to achieving the best possible outcome for you. Contact us to explore how this aligns with your legal needs. 

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