We’re here for you
Our team can help with questions about the claims process, an existing claim, or starting a new claim.
Call us on 1800 813 327.
make a claim
We know that dealing with things like insurance claims during a difficult time can add to the stress. At HESTA, we aim to resolve all claims as quickly as we can. Our team is here to support you and keep you informed through every step.
start an insurance claim
We’ll take you through how each claim type works and what you need to do to start your claim.
Income Protection (IP) claim
Income Protection (IP) Cover pays regular monthly payments if you get sick or injured and can’t work. You need to have IP Cover and be under age 67 (the cover expiry age).
Total and Permanent Disablement (TPD) claim
Total and Permanent Disablement (TPD) Cover pays a lump sum if you can’t work anymore because of a serious illness or injury. You need to have TPD cover and be under age 70 (the cover expiry age). You may also be able to access your super balance early.
Terminal Illness (TI) claim
If you have Death Cover and are under 75 (the cover expiry age), you may be eligible for a Terminal Illness (TI) insurance benefit. You may also be able to access your super balance early.
Death claim
A death benefit is money paid from a member's super account after they die. It can include their super balance, and money from insurance held in their HESTA account.
help and support
Welfare Rights Centre
HESTA members have access to our partner, the Welfare Rights Centre. The Welfare Rights Centre is an independent community legal centre. They specialise in social security law and its administration by Centrelink.
The Centre has a long-standing relationship with HESTA. They can guide members through the social security system when they’re unable to work and need financial help. As a HESTA member, you can access this service at no extra cost. You’ll get support to understand and access your social security rights and entitlements.*
Get support from the Welfare Rights Centre >
If your claim is declined
If your claim is declined, we’ll review the insurer's decision. Our Claims Review Panel will look at your circumstances and the reasons your claim was declined.
If we disagree, we'll dispute it with the insurer for you, until we're satisfied with their decision.
After that, we'll let you know the outcome. If we succeed, your benefit will be paid. If we agree with the insurer’s decision to decline, we'll let you know why.
If you’re unhappy with the outcome, you can:
- lodge a complaint with us
- contact the Australian Financial Complaints Authority (AFCA) if you’re unhappy with our response
Learn more about the complaints process >
Nominate a beneficiary
Your super isn’t automatically included in your estate, even if you have a Will. Nominating a beneficiary helps us consider who your super should go to after you die.
Nominate a beneficiary*The above is general information only. It does not constitute legal advice. If you need legal or financial advice about your Social Security entitlement, please contact the Welfare Rights Centre on (02) 9211 5300 (Sydney) or call 1800 226 028. The Welfare Rights Centre, Sydney, is a community legal centre which specialises in social security law, administration and policy. It is entirely independent of Centrelink. All assistance is free. For more information, visit welfarerightscentre.org.au
Third-party services are provided by parties other than H.E.S.T. Australia Ltd and under the terms and conditions of those parties. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services offered by third parties or any liability for loss or damage incurred as a result of services provided by third parties. You should exercise your own judgment about the products and services being offered.