Make a claim

We hope you never have to make a claim, but if you do you can count on LGIAsuper to process your application as quickly as possible. For more information, or to advise LGIAsuper of a claim, phone us on 1800 444 396.

How to make a claim

  1. Contact us: Call us on 1800 444 396 between 8:30am and 5pm (AEST) weekdays and we can help you understand the claim process and the steps required. If the date you last worked due to your injury or illness was after 1 July 2019, you can also start a new claim online by logging into your Member Online account.

  2. Provide information: The next step is to supply some information so your claim can be assessed. The insurer will contact you to discuss the documents required. Assessment of your claim cannot commence until all the requested documentation has been provided to the insurer.

  3. Insurer review: The insurer will review the information they have received as quickly as possible, update you on the progress and let you know if they need anything else to assess your claim. Depending on your condition they may request further reports or medical examinations and may need to contact your employer or medical practitioner for further information.

  4. Decision: Based on the information provided, the insurer will decide if they are satisfied that you meet the requirements set out in the policy.

    • For approved income protection claims, monthly payments are made by the insurer directly into your nominated bank account.
    • For approved TPD claims, the insurer will advise us of their decision on your claim. We will independently review your claim and contact you regarding the next steps.


    If your claim is declined, we will complete an independent review to ensure your claim has been fairly assessed. We will contact you with the outcome of our review and explain the reasons why your claim has been declined. If you disagree with the decision or are not happy with how your claim has been managed, you can ask for a review or lodge a complaint.

Do you need a lawyer?

It is entirely up to you, but before you make a decision you should consider that:

  • We have a legal obligation to act in the best interests of our members.
  • We will assist you throughout the claims process and having legal representation will not speed up the timeframe or payment of your claim.
  • All claims are assessed fairly and reasonably, and most claims are paid.
  • Legal fees and disbursements can be considerable so you should understand the costs involved and how they will impact your benefit payment.

If you need help, call us on 1800 444 396 between 8:30am and 5pm (AEST) weekdays and we will talk you through the process and help resolve any questions or concerns you may have.