legalsuper: who insures your cover, and how to reach them
Cover attached to an account with legalsuper is underwritten by Zurich. That means a claim involves two organisations: legalsuper, which holds your account, and Zurich, which assesses the claim under the policy.
Who underwrites the cover
Zurich Australia Limited, ABN 92 000 010 195, AFSL 232510.
legalsuper is the fund. Zurich is the insurer. They are separate organisations with separate records.
Cover sits under a Group Life Insurance Policy and a Group Income Protection Policy. Two policies means two sets of terms, and a letter may name only one of them.
If your paperwork says "salary continuance", that is this fund's term for income protection.
The fund's current product disclosure statement and its Zurich occupational guide are both dated 1 November 2025. Those are the current documents to ask for by name.
Zurich has underwritten legalsuper cover since 1 August 2022. Before that date the policies were issued by OnePath Life Limited, ABN 33 009 657 176, AFSL 238341, which legalsuper had used since 1 October 2005. On 1 August 2022 OnePath Life's whole life insurance book, including legalsuper's group life and group income protection policies, transferred to Zurich under a scheme confirmed by the Federal Court on 6 July 2022. That was a transfer of the insurer's own business, not a new tender, so Zurich stands behind the older OnePath policies as well. The OnePath ABN and AFSL are the numbers a claims team uses to match a legacy policy, so they are worth writing down. A separate thing happened later: the cover itself was redesigned on 1 April 2023, which changed the cover and not the insurer. Keeping those two dates apart makes an older letter easier to read.
Which insurer applies to you depends on when the event happened, not on who the fund uses today. If your condition started or you stopped work some time ago, ask who held the policy then. This directory records who insures what. It does not say what any policy covers, whether cover applies to a situation, or whether a claim would be paid. Those are decided by the policy terms and by a person's own circumstances, never by a list.
What cover types the guide describes
The current legalsuper insurance guide describes these types of cover:
- Death cover, including terminal illness
- Total and permanent disability (TPD) cover
- Income protection, which the fund describes as group salary continuance
That is a list of what the document describes, not a list of what is on any particular account. Which of these you hold, and whether it is still active, are facts about your own account, and the fund can read both to you over the phone. What any of it would do in your situation is a question for the policy and for licensed professionals, not for a directory.
How to make contact
Claims line: 1800 060 312
The fund's current insurance guide: legalsuper insurance. This is the fund's own document, not ours. It is the one to read, and the one to ask about by name if the version you are sent looks different.
The fund's own claims page: legalsuper insurance and claims.
Details to have ready for the fund
For a request about your account, have these details ready. The fund will tell you which details and identity checks it needs.
- Your membership or client number, if known. If it is missing, ask the fund to help locate your account.
- Your full legal name.
- Your date of birth.
- Your current address.
- An earlier address used when the account opened, if known and the fund's details may be outdated.
Call using the fund's official contact details above, or use its secure app or member portal where it offers enquiries. Ask which verified secure channel accepts historical insurance and document requests; not every app accepts the complete request. Keep these identity details for the fund; do not enter them on this page.
If someone is helping, ask which authority process the fund accepts. Having these details does not give another person access to the account or its records.
The phone call
This is the call that tells you what you hold and who holds it. It is free, and you are asking for facts about your own account.
"I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents."
"And can you tell me which insurer holds the policy, and which insurer held it when my condition started?"
The first sentence is the one that gets you everything, and it works on any fund. The second is the one most people never think to ask, and it is the one that tells you which organisation you are actually dealing with. If you have had more than one job, you may have more than one fund, and each one is worth the same call.
What to ask legalsuper
- Which insurer holds the policy for my account, and what is its full legal name?
- Which insurer held the policy on the date my condition started, or the date I stopped work?
- Which insurance guide applies to my account, and can you send me the version that was current then?
- Is the cover on my account still active, and when did each type of cover start?
- Do I lodge with the fund or with the insurer, and what is the first step?
- Is the claims number different from the general member line?
- Can you send me the policy document itself, not just the summary?
- Is salary continuance cover on my account, or only death and TPD?
None of these asks anyone to judge a claim. Each one asks for something already written down.
Sources
Insurer, cover types, contact details and guide link taken from the fund's own material and checked on 16 August 2026.
https://www.legalsuper.com.au/insurance/manage-your-insurance
https://www.legalsuper.com.au/insurance
The dates in the note about earlier insurers come from these:
https://www.zurich.com.au/notices/scheme
Underwriting arrangements change at short notice. If your fund tells you something different from this page, your fund is right, and we want to know: tell us and we will check it.
Where to go next
- Every fund and its insurer, including what to do if your fund has merged into another.
- "Do I have insurance somewhere?" if you are not sure you hold anything at all.
- How to find out what cover you hold, step by step.
If something here has changed since it was checked, tell us and we will fix it: contact.
Which of these sounds like where you are?
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.
Enquiries open soon. When they do, the contact page is where to reach us: we'll explain which doors exist for your situation and, if you want, introduce you to a firm on our panel. You never pay us. Panel firms do.
We try twice, then we stop. There is no third call and no marketing list.