Claims Advocacy

Risk Insurance Claims Made Easy

You had your superannuation TPD claim turned down, and are not sure what your options are?

Are you unable to work due to sickness, accident, trauma or any form of disability and are unsure if you have a claim?

Do you believe you are entitled to claim but are concerned about dealing with the insurers or the relevant paperwork?

You have suffered some form of trauma, and the risk insurance you thought was in place has somehow “disappeared” from your policy?

You have had your claim approved, but not for the full amount you think you’re entitled to?

You have unknowingly had your policy lapse due to non-payment of premiums, but now need to claim?

Are you considering using expensive legal professionals for any of the above?

Professional & Specialised Company

We Can Help You

When an injury or chronic illness strikes, people rightly turn to the life insurance, trauma, or disability (TPD) & income protection they have taken either through their Super fund, or with a private insurer. Unfortunately, a significant percentage of people who are entitled to a cash sum from their risk insurance due to their accident or disability, leaving them unable to work, are missing out. Many are denied their TPD claim or receive inadequate compensation. This is where Claims Advocacy can step in. We are a specialist company that provides expert assistance with personal insurance claims, including total and permanent disability payouts. No matter how challenging or complex your case may be, Claims Advocacy has the skills and experience to fight your corner.

“We are here to help you get the results you are looking for. With more than 20 years of experience, we take care of all aspects of the risk insurance claims process and superannuation TPD claim payouts so you can focus on your loved ones and your recovery. You don’t pay any fees unless we succeed!”

Anuj Shangle, Founder Claims Advocacy

Benefits of Using Claims Advocacy

We are a professional company that’s committed to ensuring every client gets the result that they’re looking for. Particularly after an accident, disability or trauma, we understand that the last thing that our vulnerable clients want to be doing is battling with an insurance company to get what’s rightfully theirs.


High Success Rate!

We claim a very high success rate because we've managed to obtain payouts even when the insurance policy had lapsed months before the accident occurred!

In another example, a client was paying contributions into two policies: we managed to successfully claim for them on one policy, as well as get the premium sum refunded on the other policy! Our in-depth knowledge of insurance documentation and processes means we can often spot a “technicality” and secure a payment where others have failed!


Complete Advocacy Solution

Our team will assist with the completion of every aspect of your claim paperwork and administration.


Regular Updates

We provide every client with a regular update on the progress of their claim.


No-Win, No-Fee

If we don’t get you a payout, you don’t pay us a cent


Accessible to All

Low fees that ensure our advocacy service is accessible to all.

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What does Claims Advocacy do?

There are quite a few sets of circumstances when individuals should receive a payout from their risk insurance but don’t. If they do get a payout, it may be less than they are entitled to. Some people don’t even get as far as making a claim, even though they’re eligible for one!

With 20+ years of experience, Claims Advocacy provides expert support for complex, or disputed superannuation TPD claims and assists in obtaining favorable outcomes and your entitled payout from insurers.


Our Services

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Claims Education

empower Australians

We break down and simplify the process to provide education regarding:

  • Eligibility to claim
  • The claims process
  • Technical jargon
  • Tax implications
  • Your options before making a claim
  • Your options after a claim is rejected
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Superanuation TPD Claims and Claims Management

manage the entire process

We manage the claims process so that you can be with your loved ones and focus on your recovery. We can assist you with the following insurance claims:

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Claims Disputes & Escalations

expert knowledge

Our expert knowledge and industry experience allow us to achieve success with tricky claims that simply wouldn’t have been successful had we not been involved in the process.


Case Studies

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Successful Claim on a Lapsed Policy

When Mr A suffered from crescendo angina that required the insertion of two stents for his blocked arteries, he had no idea he wasn’t covered by insurance…

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Four-Year Long Claim Resolved in Months

After a malignant brain tumour rendered Mr B unable to work, he initiated the claims process through his super fund for his TPD insurance. Due to a substantial…

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Winning on Two Separate Policies

Ms D had been paying premiums on two separate Income Protection insurance policies without realising it. On the advice from a financial planner…

About US

Our Story

Claims Advocacy was founded by Anuj Shangle, a seasoned finance professional with a 20-year successful career in financial planning behind him. During this time, he successfully co-founded, managed and ran a financial services business for ten years, where he helped hundreds of clients achieve their financial and retirement goals.


Our Blog

Phenomenal Result For Income Protection Claim

Phenomenal Result For Income Protection Claim

An extra 3.3 year benefit payment of almost $300k for an Income Protection claim. Despite challenges, we secured a claim outcome that exceeded everyone’s expectations. Our clients were absolutely thrilled. This success story is a testament to the value of having an expert on your side when it comes to insurance claims.

2022 Claims and Disputes Statistics Report

2022 Claims and Disputes Statistics Report

APRA and ASIC have released the Life Insurance Claims and Disputes Statistics report for the period 1st Jan 2022 to 31st Dec 2022. The report provides valuable insights into the claims and dispute resolution processes of life insurance companies in Australia.


Frequently Asked

How do I know if I am insured?

According to the ATO, as of 30 June 2018, over 10 million Australians had one super account, with approximately six million people holding two or more super accounts. A lot of super funds have default levels of insurance cover built-in for Life, TPD & Income protection cover. It is as simple as checking your superannuation statement or ringing the fund. It may be worth searching for lost super funds just in case you’ve got any insurance in a fund you don’t know about.

How do I know if I can claim?

Generally, you can read the insurance policy documents for guidance on whether your circumstances qualify; however, from our experience, disability claims through super can be quite complex. We strongly suggest you seek the assistance of a claims advocate — such as us — to guide you through. We are experts with practical knowledge and a deep understanding of the process and concepts. Our expertise has helped us achieve a hugely successful history of working with the super claims team.

How long does the claim process take?

It depends on the type and complexity of the claim. However, generally speaking:

  • Life & IP covers can range between a few weeks to a couple of months.
  • TPD claims range between two to six months.

Should I be talking to lawyers instead?

  • In our experience, you only need to engage a lawyer if your appeal has been unsuccessful with AFCA and you still don’t agree with the decision.
  • Up until then, claims advocates like us can not only represent you to get a successful outcome, but can get the results in a far shorter time than compared to when you engage a lawyer.
  • This is because firstly, we understand the technicalities of the process, products & definitions far better than lawyers, due to having spent 20 years in the industry.
  • Secondly, if a lawyer represents you, the insurers generally have to engage a legal team to deal with your claim, which can often drag out the process more than it would usually take otherwise, and add unnecessary costs.
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