If you are in need of Superannuation Lawyers or insurance claim lawyers, then Nowicki Carbone can help you.

As an essential part of Australian employment law and a means for providing long term savings towards your retirement, Employer contributions towards superannuation funds have been made compulsory since 1992 for eligible persons. To be eligible, you must be between the ages of 18 and 70, earning at least $450 before tax in a calendar month and working either full-time, part-time or on a casual basis. Alternatively, if you are under the age of 18 and you work more than 30 hours per week, you are also eligible for compulsory superannuation.

Our Superannuation Lawyers can find out if you are eligible for compulsory superannuation, and if so, your employer is obligated to pay a minimum of 9% of your earnings for ordinary hours of work into your superannuation fund account. Let our Superannuation Lawyers earn you money!

If you are eligible for compulsory superannuation, your employer is obligated to pay a minimum of 9% of your earnings for ordinary hours of work into your superannuation fund account.

Death & Disability Insurance

In addition to your Superannuation contributions, most, but not all, superannuation funds have extra insurance benefits covering for death and disability, which act in some way as compensation for superannuation contributions you would have earned, had you been working. These death or disability insurance schemes act as a “top up” to your superannuation contributions, and (usually) result in an early release of superannuation entitlements.

There are also many disability insurance schemes, ranging from income protection, mortgage protection, trauma benefits insurance and sickness and accident insurance, which may provide insured benefits to persons with injuries and chronic illnesses such as the Incolink Scheme exclusive to workers in the construction industry.

How can I access my super funds if I’m injured or my employer has stopped contributing?

So what happens if your employer is not paying the required 9% Superannuation contributions? What happens to your Superannuation savings if you are injured before your intended retirement age and unable to continue working? What if you need to access your superannuation early to live, pay off the mortgage etc? Nowicki Carbone can help!

How can Nowicki Carbone Help you?

Our Superannuation & Insurance team can provide you with the knowledge and expertise to advise and act on your behalf in these complex and difficult areas. Our preliminary advice to all potential clients includes but is not limited to:

If your Superannuation provider offers death or disability insurance, opt to take out insurance: additional benefits in the event of death or disability, eg Total and Permanent Disability (TPD) insurance, opt to take out insurance, otherwise you will not be entitled to insurance benefits, should either of these tragic events occur;

Check that your employer is paying the requisite 9% superannuation contributions: If not, speak to one of our Superannuation & Insurance team members who can assist you in this respect;

If you are injured and either having difficulty continuing in your usual occupation, or cannot work at all, contact our Superannuation & Insurance team before resigning: In some circumstances, disability insurance will not cover resignation or termination of employment, other than by reason of injury.