Make a claim with lifePLUS Protect
We know that when you make a claim, it means something hasn’t gone quite right. At CSC, we try to make the process as simple and transparent as possible, giving you peace of mind every step of the way.
We're on your side
We know that navigating a complex process and paperwork is the last thing you want when the unexpected happens. We're here to help. With CSC, you'll be assigned a case worker to guide you through the process, help you fill out forms and keep you updated, so you know exactly what's happened and what comes next. Your claims manager talks to the insurer on your behalf.
Making a claim for injury and sickness in four simple steps
1. Call us and start the process
As soon as you know about your injury or illness, contact us on 1300 725 171.
It's important that you don't wait, even if you're on leave or are just about to start your new job. There might be things we can do to help, regardless of the situation.
When you call us, we'll appoint you a case manager who will send you out a claims pack.
2. Fill out the paperwork, and we'll check it
Fill out the paperwork in your claims pack and send it to us.
We know you may need assistance completing the claim related forms, so your case manager will be there to help you out. We’ll then go through everything with the insurer.
Note that sometimes they'll contact you directly to speed things up with requests for more information, they may ask you to undergo a medical examination.
3. The insurer makes a decision
The insurer considers all the evidence and tells us if your claim is accepted, deferred or declined.
4. We'll make an independent review of the decision
At CSC, we're here to help and do right by you. We review every decision independently.
We might ask an insurer to review their decision. Your case manager will keep you updated every step of the way. You can also speak to them directly to request a review.
If your income protection claim is successful, your benefits will be paid directly to you. The income protection super benefit that applies to your super scheme will be paid into your CSC account.
As an aside, if you're making a claim for a total and permanent disability or terminal illness benefit, we'll also make a decision about whether we can give you your super balance along with any insurance benefit that’s approved.
Making a claim for death benefits
Call us as soon as you're ready
Call us on 1300 725 171 and let us know if a loved one has died. We're here to help and make receiving their CSC benefits as simple as possible.
Complete a form
As a potential beneficiary of a deceased CSC customer, one of our case managers will give you a form to fill in. If there's a binding nomination in place, we'll make payments to that beneficiary. If there's no binding nomination we will work out who the CSC customer's dependants are.
We'll make a decision and let potential beneficiaries know
After we’ve made our decision about how to pay the deceased customer’s benefits, potential beneficiaries have 28 days to object to the decision.
If there's an objection, our Reconsiderations Committee will ask for evidence to support the objection and will review that evidence to make a decision.
If you are unhappy about any decisions made by CSC or the Reconsiderations Committee, you can submit a complaint to the Australian Financial Complaints Authority within 28 days.
We’ll provide payments to all beneficiaries
We'll also distribute the super balance with any insurance benefit that’s approved.
We're committed to protecting your privacy. We collect your personal information for the purposes of providing superannuation services to you, improve our products and to keep you informed. We will only share your personal information where necessary for providing superannuation services to you. This may include disclosing your personal information to our scheme administrator, service providers or government or regulatory bodies. Your personal information may be accessed overseas by our service providers.
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