ClaimGuide · A clearer way forward
When illness or injury affects work,
find your way.
Make sense of claims, payments and support. Discover the insurance you may have overlooked, and choose your next step.
Free to explore · No account needed · Help when you want it
More than one path
may be open.
Your situation is the starting point.
Start where you are
What would help today?
My payments have changed
Find information about reductions, delays and what happens next.
Insurance & superI’m unsure about my insurance
Find out what to ask your current and earlier super funds.
Letter DecoderI need to understand a letter
Look up a phrase and understand the question behind it.
Practical supportI need practical help
Explore support with money, treatment, home and everyday life.
Meet ClaimGuide Wayfinder
A guide that starts
with you.
Bring your current claim, possible insurance and everyday support into one picture.
Discover Wayfinder- 01
Tell us a little about your situation
Start with what you know. “I’m not sure” is a useful answer too.
- 02
Explore the connected avenues
Understand your current system and questions worth asking about other cover and support.
- 03
Choose a next step
Prepare a fund enquiry, record a reply or find practical help. Print your guide to keep a copy.
Look beyond your current payments
What might your
super hold?
Income protection and total and permanent disability (TPD) insurance are worth understanding alongside your current claim.
Find out what cover you held and which dates the fund has checked. Explore insurance without completing the interview.
Room for everyday life
Support beyond the claim.
Optional help from a person
You can ask us to help.
Life insurance is our main practice. Ask about ClaimGuide case-manager support or an appropriate referral for another kind of claim.
How we get paidRead, understand, explore
News & insights
Waiting on a death benefit: where the AustralianSuper case stands
The Federal Court penalty hearing has moved again. Where the case is up to, and what families can ask while a claim is waiting.
Guide & explainerOn a disability pension: what your super may hold
Explore Centrelink payments and separate insurance questions.
Guide & explainerInsurance inside super, explained
Start with the cover that may sit alongside your retirement savings.
More ways to start Wayfinder
Choose a starting point for the guided interview. You can review and change your answers.
I don't know where to start
The whole interview from the first question, with nothing assumed and nothing pre-filled. Not knowing where to start is a situation this tool is built for, not a failure to have picked a better door.
I'm looking into this for someone else
For a partner, a family member or a friend. Question one asks who this is for, and the answer changes the page: what a fund or a scheme will tell you today without any paperwork, and what waits for a signed authority. Most of it can be done without them.
I'm on workers comp, the TAC (Transport Accident Commission), Comcare or the DSP (Disability Support Pension)
For a reader who already knows who pays. Picking the scheme here fills question 3, and the interview goes straight to what has arrived and what has changed.
My payments have stopped or changed
Starts from the money. The payments-stopped event is ticked at question 2, and the next question is who pays, because who pays decides whose published rules the change runs under.
I've had a letter and don't understand it
I heard the rules changed and I don't know if it's about me
Rules change, and most changes only reach claims first made on or after a set date. The interview asks roughly when the claim was made, and the page names the rules it drew and the date each one was checked. Not knowing that date is a normal answer, and the page names who can tell you.
I've been off work a long time
Most of what this tool can show runs on time from when work stopped. The stopped-work event is ticked at question 2 already, and the interview asks who pays, then the month and year work stopped.
I want to know what insurance I might have
The super branch. Insurance is commonly attached to super accounts, including accounts since closed, merged or rolled over, and what is attached to an account is a question a fund can answer without any claim existing. This door asks who pays now, the date work stopped, and the funds held around then.
My situation isn't one of these
Including Western Australia, Tasmania, the Northern Territory and the ACT
Situations this tool does not describe yet.
This tool draws the published timetables it has checked: workers compensation in Victoria, New South Wales, Queensland and South Australia, the TAC, Comcare and the DSP. If the situation is not in that list, this page will not guess at it.
For Western Australia, Tasmania, the Northern Territory and the ACT: we have not checked those rulebooks yet, so no scheme timetable is drawn for them. The parts that are national still apply: super, insurance inside super, and Centrelink. The interview can still run for those parts, and the page it builds says plainly which parts have not been checked.
Whatever the situation, three routes are open and free: the claims line printed on any letter about the claim, the member line of any super fund held when work stopped, and Legal Aid in every state and territory.