Submit your claim
Simply log in to your online portal and select ‘Insurance’ followed by ‘Insurance Portal’.
Or, you can give us a call on 13 13 36 and we can help get you started.
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Making an insurance claim
We're here to help you claim with confidence and ease
Making a claim has never been easier
Now you can lodge your insurance claim entirely online. Start your claim in minutes and track your progress anytime.
It's fast, secure and simple - and you can do it all through your member portal, FirstNet.
- Lodge your claim online
- Track your progress from your dashboard
- Get in touch with us if you need help
What insurance benefits can I claim within my super?
Salary continuance
Also known as income protection, salary continuance pays a monthly benefit if you’re totally or partially disabled and can’t work.
TPD
If you become totally and permanently disabled, you can make a claim. You may also be able to get early access to your super¹.
Terminal Illness
If you’re diagnosed with a terminal illness, you can make a claim. You may also be able to get early access to your super¹.
Death benefit
When a member passes away, a death benefit claim can be made to receive their super and other associated benefits.
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Claim assessment
Once your claim has been submitted, you will be assigned a claims assessor by the insurer. The claims assessor will be your direct contact and will assist you through the entire claim journey.
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Claim decision
Your claims assessor will contact you if your claim has been accepted. Your monthly benefits will start to be paid into your bank account monthly, in arrears, after your waiting period has been served (payments do not include the waiting period).
If your claim has been declined by the insurer, as part of our claims philosophy, we will review the claim to ensure it has been assessed correctly and the decision is fair and reasonable.
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Submit your claim
Simply log in to your online portal and select ‘Insurance’ followed by ‘Insurance Portal’.
Or, you can give us a call on 13 13 36 and we can help get you started.
-
Claim assessment
Once your claim has been submitted, you will be assigned a claims assessor by the insurer. The claims assessor will be your direct contact and will assist you through the entire claim journey.
-
Claim decision
Your claims assessor will contact you if your claim has been accepted. Your benefit will be paid into your super account as a lump sum.
If your claim has been declined by the insurer, as part of our claims philosophy, we will review the claim to ensure it has been assessed correctly and the decision is fair and reasonable.
-
Submit your claim
Simply log in to your online portal and select ‘Insurance’ followed by ‘Insurance Portal’.
Or, you can give us a call on 13 13 36 and we can help get you started.
-
Claim assessment
Once your claim has been submitted, you will be assigned a claims assessor by the insurer. The claims assessor will be your direct contact and will assist you through the entire claim journey.
-
Claim decision
Your claims assessor will contact you if your claim has been accepted. Your benefit will be paid into your super account as a lump sum.
If your claim has been declined by the insurer, as part of our claims philosophy, we will review the claim to ensure it has been assessed correctly and the decision is fair and reasonable.
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Gather your documents
- Collect the documents you need.
- Make sure relevant documents are certified (if required).
- Complete the death benefit claim form.
Please send us all the required documents and forms in one go to avoid delays.
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Submit your documents
You can either:
- Return them via email at SPDEClaims@cfs.com.au.
- Return them by post to:
Colonial First State
Insurance Claims
Reply Paid 27
SYDNEY NSW 2001
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Help us finalise your claim
Allow up to four weeks for your claim to be processed. Please be ready to provide any additional documents or information that might be requested during this time.
See our complete guide to claiming a superannuation death benefit to learn more.
Things to know
- There may be some circumstances where you may be able to access your super early. See Early access to super: What you need to know for more information.
- You can refer to the Insurance claims fact sheet and Step-by-step claims guide to understand the claims process and how we handle claims.
- We’re committed to making the claims process as smooth as possible. See our claims philosophy and that of our insurer (AIA).
- Our insurer, AIA, offers a range of health and wellbeing programs to help you get back on your feet, at no extra cost or hassle. Learn more about AIA Embrace.
Do you need help with your insurance claim?
If you have any concerns or questions on how the insurer is handling your claim, you can contact Colonial First State via email at MB_CFSClaims@cfs.com.au or simply get in touch.
We recognise that the claims process can be complex, but we’re here to support you.
FAQs
Your super is designed to help you build long-term retirement savings and generally can’t be accessed until you retire or turn 65. However, you may be able to access your super early on compassionate grounds or for financial hardship reasons.
Super is one of the biggest assets you can accumulate in your lifetime, so it's important that you decide what happens to it. You can nominate specific beneficiaries to receive your super when you pass away by making a non-lapsing death benefit nomination.
There will be no changes to your super if you lose your job, except that your employer will stop making contributions into your account. When you start a new job, your employer will contribute to your existing (stapled) fund, or you can choose a new fund by giving your new employer a Fund Nomination form.
If something unexpected happens, insurance can minimise the financial impact on you and your loved ones.
When it comes to life, disability and income protection insurance, there are usually two options: have insurance cover inside your super or pay for a separate insurance policy outside your super. There are plenty of benefits to having insurance inside super, but it’s important to be across the potential limitations as well.
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm (Sydney time) Monday to Friday.
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¹ Early Access to Superannuation: Eligibility and Process
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.
Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at https://www.cfs.com.au/tmd which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 13 13 36.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia, the ‘Insurer’). AIA Australia is part of the AIA Group. The respective insurance covers are provided under policies issued to the trustee.