Death Benefit Claims in Brisbane

What is a death benefit claim?

A death benefit claim is a legal process initiated by the dependents or beneficiaries of a deceased individual who had a life insurance policy or superannuation fund. The purpose of a death benefit claim is to secure financial compensation that can help cover the costs associated with the death, such as funeral expenses, and provide financial support for the deceased’s dependents. The claim is made against the insurance company or superannuation fund that held the policy or account of the deceased.

Who can make a death benefit claim?

Typically, a death benefit claim can be made by the dependents or beneficiaries of the deceased. This often includes the spouse or de facto partner, children, or any other individuals who were financially dependent on the deceased at the time of death. In some cases, a legal personal representative, such as an executor of the deceased’s estate, may also be eligible to make a death benefit claim. The specific eligibility criteria can vary depending on the terms of the insurance policy or superannuation fund.

What can a death benefit claim cover?

A death benefit claim can cover a range of costs and financial needs arising from the death of the policyholder. This often includes:

• Funeral and burial expenses: These are the immediate costs associated with the death, such as the funeral service, burial or cremation, and related expenses.
• Loss of income: If the deceased was a primary income earner, the death benefit can provide financial support to replace the lost income and help the dependents maintain their standard of living.
• Debts and expenses: The death benefit can be used to pay off any outstanding debts or expenses left by the deceased, such as a mortgage, credit card debts, or medical bills.
• Future needs: The death benefit can also provide for the future needs of the dependents, such as children’s education costs or the spouse’s retirement needs.

It’s important to note that the specific coverage can vary depending on the terms and conditions of the deceased’s insurance policy or superannuation fund.

Our Process

At Seymour Furlong Lawyers, we are committed to providing a comprehensive and client-focused approach to handling death benefit claims. Our process is designed to ensure that you receive the best possible outcome with minimal stress. Here’s how we do it:

Initial Consultation

Our process begins with an obligation-free initial consultation. We are happy to answer all of your questions without locking you into anything. This consultation allows us to understand your situation, assess the potential of your claim, and explain the process ahead.

Assessment and Response

We work round the clock to ensure your needs are met. After the initial consultation, we conduct a thorough assessment of your case. This includes reviewing all relevant documentation, such as insurance policies, medical records, and any other evidence related to the death. We then provide a response detailing the potential avenues for your claim and the likely outcomes.

Claim Preparation

Once we have all the necessary information, we prepare and lodge your death benefit claim. This involves compiling all the necessary documentation and evidence to support your claim. We handle all communication with the insurance company or superannuation fund, ensuring that your claim is presented in the most compelling way possible.

Negotiation and Settlement

We negotiate with the insurance company or superannuation fund on your behalf, aiming to secure the maximum possible compensation for your loss. Our experienced lawyers are skilled negotiators who know how to effectively argue for the best outcome for our clients.