Australian Financial Complaints Authority (AFCA)
Free, independent complaints service for disputes with super funds and insurers, including TPD and income protection.
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What applies to me?
Step 1 · Your situation
Step 2 · Your state or scheme
Step 3 · Your next steps
In one sentence
A rejection is not always the final word — most schemes have review and dispute steps, often with short deadlines.
It varies by scheme and decision type. Check your decision letter and your state page, and act quickly.
In most schemes you can request the information the insurer relied on. Put the request in writing.
Often yes, but you may need to repay it from any compensation you later receive. Tell Centrelink about your claim.
Free, independent complaints service for disputes with super funds and insurers, including TPD and income protection.
Covers: National
Unions can provide advice, advocacy and referrals for members injured at work.
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Find a free community legal centre near you anywhere in Australia.
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Information about workplace rights, dismissal and pay. Fair Work Commission deals with unfair dismissal and bullying applications.
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Northern Territory regulator — information about the Return to Work scheme.
Covers: NT
Centrelink line for the Disability Support Pension, sickness-related payments and carers.
Covers: National
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.