
Income Protection Claims
Facing an injury or illness that prevents you from working can be a daunting experience. It's a time filled with uncertainty, and the last thing you need is to worry about how you're going to pay your bills. That's where income protection claims come in.
Don't navigate this challenging time alone. Reach out to us today for a free consultation, and let's take the first step towards your financial security together
What Are Income Protection Claims?
Income protection claims are a lifeline when you're unable to work due to an injury or illness. They're designed to replace a significant portion of your income ensuring you can continue to meet your financial obligations and maintain your lifestyle even when you're not able to earn.
These claims are made through an income protection insurance policy, which can be part of your superannuation fund or a separate policy you've taken out. The purpose of these claims is to provide you with financial stability during a challenging time, allowing you to focus on your recovery without the added stress of financial worries.
What Does an Income Protection Claim Cover?
It can help you manage your regular expenses such as mortgage payments, utility bills, and living costs. Some policies may also cover rehabilitation costs to aid your recovery and return to work. At The Firm Law Group, we'll help you understand exactly what your specific policy covers and ensure you receive all the benefits you're entitled to.
Learn more about what you could be entitled to
Who Can Make an Income Protection Claim?
Anyone who has an income protection insurance policy can make a claim if they're unable to work due to an injury or illness. This includes both physical conditions like injuries sustained in a car accident or chronic illnesses and mental health conditions such as anxiety and depression.
It's important to note that the injury or illness doesn't have to be work-related. Whether you've been injured while playing sports, developed a serious illness, or are dealing with mental health challenges, you may be eligible to make an income protection claim.
However, eligibility can depend on the specifics of your insurance policy. Some policies may have exclusions or waiting periods that need to be considered. That's why it's crucial to seek expert legal advice. Our team at The Firm Law Group can help you understand your policy and guide you through the process of making a claim, ensuring you receive the benefits you're entitled to.
The Scope of Income Protection Insurance
Income protection insurance is designed to be a comprehensive safety net, covering a wide range of situations that might prevent you from working. It's not just about accidents at work or work-related illnesses. It's about ensuring you're financially secure, no matter what life throws at you.
Illnesses Covered by Income Protection Insurance
Income protection claims can be made for a wide variety of illnesses and injuries that prevent you from working. These include, but are not limited to:
- Physical conditions such as heart attacks, cancer, and injuries from accidents at home or during sports
- Mental health conditions including anxiety, depression, PTSD, bipolar disorder, and schizophrenia
- Chronic illnesses that impact your ability to perform your regular job duties
Regardless of how you acquired the condition, if it affects your ability to work, it's likely covered under your income protection insurance. At The Firm Law Group, we're committed to helping you understand your policy and guiding you through the income protection claim process.
Income Protection Insurance: Beyond Work-Related Issues
While many people associate income protection insurance with work-related injuries or illnesses, the scope of coverage is actually much broader. Whether your injury happened while you were playing your favourite sport, your illness is a condition that's been slowly developing over years, or you're dealing with mental health challenges, you may be eligible to make an income protection claim.
The key is that the condition prevents you from working, regardless of whether it's related to your job. This broad coverage is one of the reasons why income protection insurance is such a valuable part of your financial safety net.
What is the Process of Making an Income Protection Claim?
Starting an income protection claim can seem daunting, but with the right guidance, it doesn't have to be. Here at The Firm Law Group, we're committed to making this process as straightforward as possible for you. Let's break it down step by step.
Starting Your Income Protection Claim
The first step in making an income protection claim is to get in touch with us. We'll help you gather all the necessary documentation, including medical records and proof of your income. We'll also guide you in notifying your insurer about your intent to make a claim. Remember, it's crucial to start this process as soon as possible after you become unable to work due to an illness or injury.
Assessing Your Income Protection Claim
Once your claim is submitted, your insurer will assess it. They'll look at factors such as the nature of your illness or injury, the extent to which it prevents you from working, and the terms of your specific insurance policy. We'll be there to ensure that your claim is assessed fairly and promptly, advocating for your rights every step of the way.
What are the Time Limits for Making an Income Protection Claim?
It's important to be aware that there are time limits for making an income protection claim. Generally, you should start the claim process as soon as you become unable to work.
However, there can be exceptions depending on the specifics of your insurance policy and personal circumstances. We can help you understand these time limits and ensure that your claim is submitted within the appropriate timeframe.
Why choose us?

Experienced Team
The Firm Law Group offers over 60 years of combined experience across a broad range of areas to bring you a dedicated and highly professional legal service.

Competitive Pricing
Unconstrained by the processes of a larger firm, we are able to offer competitive pricing so you can get access to the quality legal support you deserve.

Personalised Solutions
As a boutique legal firm we can offer what many others can’t, by providing the attention and care you need when navigating a settlement. Get real solutions made to fit your situation.
Our Satisfied Clients
I had the privilege of working with James Charara and I couldn’t be more impressed with his exceptional service. From the very beginning, James demonstrated a strong commitment to being customer-focused. James took the time to listen to my concerns, providing personalized attention that made me feel valued as a client. His politeness and professionalism was truly noteworthy. James consistently treated me with respect and courtesy, creating an atmosphere of trust that put me at ease throughout the legal process. What stood out the most was his responsiveness. Whether it was a quick question or a more complex issue, I always received timely and thorough communication. James proved himself to be not only a skilled legal professional but also a reliable and trustworthy advisor. James attention to detail and dedication to achieving the best possible outcome for my case was truly commendable. I would highly recommend James to anyone seeking legal assistance. It’s rare to find someone who combines legal expertise with such a customer-driven approach.
CM Hawkesbury
Thank you and your law firm for all of your hard work throughout my case over the past few years. Throughout the time you worked on my case, you were kind, patient, supportive and remained professional, you also made me feel heard and that meant a lot to me, through the mediation and dealings with my case. I am very appreciative to have found the best lawyer in Australia and would recommend you to anyone needing to be heard and supported.
FLW
I wish to thank James Chrara and the team at The Firm Law Group, for their perseverance and sincerity in dealing with my motorcycle claim.
I was deeply concerned and worried about what the future held as a result of the injuries I suffered in my motorbike accident.
The insurance company threw up many obstacles, but James and his team were able to overcome them and progress my matter despite the impact on my claim from COVID. The Firm Law Group did not take a backward step.
It has been difficult and uncertain three years but having my claim settled will make a huge difference in my life.
This result will help me move forward and secure my future.
Thank you again I am so very much forever grateful.
I have no hesitation in referring The Firm Law Group’s services to any injured clients, knowing your capabilities and desire to obtain maximum damages for your clients.
Wayne S, QLD
“I couldn’t be happier with the support and representation I received from James Chrara and the team at the Firm Law Group. In 2018 I was the recipient of severe neck and shoulder injuries due to a motor vehicle collision that was not my fault. I originally chose a very well-known, prominent law firm Y believed would have my best interest in mind. After a period of time, with very little progress I felt this was not the case. This lack of progress and communication made me feel as though my best interests were not being looked after and I was not a priority, just another injury claim that they would get around to. After receiving both severe physical and mental trauma the last thing I needed was the added stress of not knowing what was going on with my third-party claim. I lost all confidence in the people representing me. Smallest entity house coming by countryside for his size. Due to this, I decided to sign with James Chrara and the team at The Firm Law Group who from day one put my mind at ease. James and the team’s approach was always positive with excellent customer service, up-to-date communications, reliable advice and unwavering professionalism. Thank you to James and the team at The Firm Law Group taking charge of my claim, confidently progressing it forward to the very best outcome achievable. I can’t recommend James Chrara and the team at The Firm Law Group highly enough.”
Wayne Baker, QLD
“Just wanted to send you all a thank you email for everything you have done for me over this entire ordeal!! After working hard for so many years I can honestly say I never saw this coming. The settlement that was reached today is one that myself & my family Are very happy to accept. I will be forever upset by the way I was unfairly treated by my employer, but at least now I will have back payments, spinal surgery & recovery costs all paid for. For this I am forever grateful. Thank you, Chris, for your guidance & especially your counsel in all matters with my case. And thank you, Fay, for all your hard work behind the scenes as well.”
Steve, NSW
James Chrara represented me during my claim against my insurer due to a motor vehicle that caused a severe aggravation of a previous back injury. Right from the moment James took on my case, he was incredibly supportive and understanding of my situation, he took me through each step of the process again and again and would communicate with me on a regular basis. He informed me of the difficulties that were ahead, especially due to the fact that there was a previous back injury prior to the accident.
James and the rest of his team remained incredibly professional right throughout the process. They were communicative, provided advice each and every time I needed it and were with me every step of the way. The end settlement result truly went above and beyond my expectations and I couldn’t be happier. Even with the settlement being recently concluded, I still receive check in messages from James to see how I am doing with it all being over with.
I can’t thank James, Soren and Fay and their team for all of their help, support, advice and for helping me get through a truly tough time. I can’t recommend The Firm Law Group highly enough!
Sarah H, Sydney
I want to say Soren how much you helped me, you made a complex process easy, and stood up to the insurer right to the end, it helped our family so much.
Kristie P, St Ives
Soren and his team were amazing. They took the time to listen to me and understand my situation. The outcome they achieved put me back in control when things seemed so uncertain.
Charlotte N, Annandale
Just wanted to send you all a thank you email for everything you have done for me over this entire ordeal!!
After working hard for so many years I can honestly say I never saw this coming.
The settlement that was reached today is one that myself & my family are very happy to accept.
I will be forever upset by the way I was unfairly treated by my employer, but at least now I will have back payments, spinal surgery & recovery costs all paid for. For this I am forever grateful.
Thank you, Chris, for your guidance & especially your counsel in all matters with my case.
And thank you, Fay, for all your hard work behind the scenes as well.
Steve M, Brisbane
“I couldn’t be happier with the support and representation I received from James Chrara and the team at The Firm Law Group. In 2018 I was the recipient of severe neck and shoulder injuries due to a motor vehicle collision that was not my fault. I originally chose a very well known, prominent law firm who I believed would have my best interest in mind. After a period of time, with very little progress I felt this was not the case. This lack of progress and communication made me feel as though my best interests were not being looked after and I was not a priority, just another injury claim that they would get around to. After receiving both severe physical and mental trauma the last thing I needed was the added stress of not knowing what was going on with my 3rd party claim. I lost all confidence in the people representing me.”
“Due to this, I decided to sign with James Chrara and the team at The Firm Law Group who from day one put my mind at ease. James’s and the team’s approach was always positive with excellent customer service, up to date communications, reliable advice and unwavering professionalism. Thank you to James and the team at The Firm Law Group for taking charge of my claim, confidently progressing it forward to the very best outcome achievable. I can’t recommend James Chrara and the team at The Firm Law Group highly enough.”
Wayne Baker
Getting Legal Advice for Income Protection Claims
Making an income protection claim can be a complex process, filled with legal jargon and intricate policy details. That's where expert legal advice comes in. At The Firm Law Group, we're here to guide you every step of the way.
Our No Win, No Fee Policy
We believe that everyone should have access to legal support, regardless of their financial situation. That's why we operate on a 'No Win, No Fee' basis for income protection claims. This means that you won't have to pay our legal fees unless we win your case. It's our way of ensuring that financial concerns don't stand in the way of you getting the legal support you need.
Ready to Start Your Claim? We're Here to Help
If you're ready to start your income protection claim, or if you just need some advice, don't hesitate to get in touch with us. Our dedicated team is ready to answer your questions, guide you through the process, and fight for your rights. Remember, you don't have to navigate this challenging time alone. Reach out to us today.
Let us help you secure the compensation you deserve