Most superannuation funds provide insurance cover for members who become incapable of working for medical reasons. This insurance is in addition to the superannuation contributions that your patient and/or their employer have made to the fund during the period of membership.

Superannuation insurance benefits can be substantial, ranging from a few thousand to hundreds of thousands of dollars.

If your patient is unlikely to return to their usual employment, it is worth suggesting to them that they explore their eligibility to access a superannuation insurance benefit. This may help ease the financial burden that they face during the difficult times that follow their becoming incapable of working for medical reasons.