MLC Super — now part of the Insignia Financial group following its sale from NAB — is one of Australia's largest retail super funds. Many members hold significant TPD cover through MLC's insurance policies, underwritten by MLC Life Insurance.
Types of MLC TPD cover
MLC Super members may have cover in different forms depending on their product:
- Default insurance — automatically included for eligible members within the super fund
- Voluntary additional cover — members may have applied for extra TPD cover
- Retail investment-linked policies — some older MLC accounts have TPD bundled with investment products
MLC's TPD definitions
MLC policies vary by product vintage. Older policies may use an "own occupation" definition, while newer or default policies typically use "any occupation". Reviewing your policy documents or contacting MLC directly to confirm your definition is an important first step.
Starting your claim
Call MLC on their claims line to notify them of your claim intention, then request the claims pack. Alternatively, start with our free eligibility check to understand your position before contacting the fund.