Making a claim
Call us on 132 652 to get started with your claim.
We’ll ask you a few questions to help you choose the best way to make a claim.
Remember to have your super account details handy.
Message us or request a call back.
The insurance claims process
Our insurance claims process typically has six key steps with roles for us, the insurer and you. We’ll keep you up to date on how your claim is progressing along the way.
1
You make a claim with us
2
We check your eligibility
3
We submit your claim to the insurer
4
Your claim is assessed by the insurer
5
The decision is reviewed by us
6
An outcome is provided to you
-
You can find out more about how to start your claim and the end-to-end process by viewing the relevant Claims Guide.
MLC MasterKey Business Super
MLC MasterKey Business Super Death Insurance Cover Claims Guide (PDF)
MLC MasterKey Business Super Total and Permanent Disablement Insurance Cover Claims Guide (PDF)
MLC MasterKey Business Super Income Protection Insurance Cover Claims Guide (PDF)
MLC MasterKey Business Super Terminal Illness Insurance Cover Claims Guide (PDF)
MLC MasterKey Super Fundamentals
MLC MasterKey Super Fundamentals Death Insurance Cover Claims Guide (PDF)
MLC MasterKey Super Fundamentals Total and Permanent Disablement Insurance Cover Claims Guide (PDF)
MLC MasterKey Super Fundamentals Income Protection Insurance Cover Claims Guide (PDF)
MLC MasterKey Super Fundamentals Terminal Illness Insurance Cover Claims Guide (PDF)
Our Claims Philosophy
We adopt a professional, compassionate and positive approach to claims management and actively seek to keep members at the heart of everything we do.
- We’ll communicate the process clearly,
- We at all times treat our claimants, members and their beneficiaries with the utmost respect and empathy,
- We’ll do everything reasonable to pursue claims with the Insurer on the member’s behalf that we consider to have a reasonable prospect of success, and
- We’ll make prompt payments on successful claims.
-
MLC Limited
We adopt a professional, compassionate and positive approach to claims management and actively seek to keep members at the heart of everything we do. We acknowledge that each claim is unique and must be dealt with on its own merits and we’re committed to being easy to deal with and providing outcomes to our members in a timely manner.
We're here to help
We can help you with the claims journey, completing claim forms or providing claim information.
We’re also here to help if you need interpreting or hearing support services.
Additional information
-
Even if you don't have insurance as part of your super account, you can access your super benefit in some limited circumstances.
These include:
- Incapacity - if you're unable to work or need to work fewer hours because of a medical condition.
- Severe financial hardship - if you can't meet your living expenses and have been receiving Centrelink benefits for 26 weeks.
- Compassionate grounds - to pay for unpaid expenses. These could include medical treatments, modifying your home or vehicle because of severe disability, funeral expenses or a loan repayment to prevent you from losing your home.
- Terminal medical condition - if you have a terminal illness or injury.
- Death – your super can be paid to your beneficiaries or estate.
Visit the ATO opens in new window to find out more about accessing your super early.
-
Even if you have a closed account, you may still be able to claim for any events or illness that occurred while you held insurance cover in your super account with us. Give us a call if you're unsure whether you're eligible to make a claim and we can guide you through this process.
Connect with us
