Berrill & Watson - Superannuation & Insurance Lawyers

Berrill & Watson - Superannuation & Insurance Lawyers An Australian law firm acting for people in superannuation and insurance claims. Liability limited b But we don’t stop at the borders of Victoria.

𝗪𝗛𝗢 𝗪𝗘 𝗔𝗥𝗘

Berrill & Watson are a leading plaintiff superannuation and insurance law firm. We have knowledge, experience and expertise in superannuation and insurance that other firms don't have. We act for everyday people against big corporations and we fight every bit as hard, even harder than the major law firms, but we do it without the big price tag. Our team has worked in superannuation and

insurance for over 15 years and has run some of the leading cases in Victoria. We provide our services across Australia so matter where you live or work, we’re here for you. And super importantly, we can come to you if you need! You won’t get that service from the big end of town. We also understand that costs are important to you. That's why we openly share how we charge; visit our website for more info on costs. So if you’ve got a super or insurance problem, get in touch with “The Super Lawyers”.

𝘓𝘪𝘢𝘣𝘪𝘭𝘪𝘵𝘺 𝘭𝘪𝘮𝘪𝘵𝘦𝘥 𝘣𝘺 𝘢 𝘴𝘤𝘩𝘦𝘮𝘦 𝘢𝘱𝘱𝘳𝘰𝘷𝘦𝘥 𝘶𝘯𝘥𝘦𝘳 𝘱𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘴 𝘭𝘦𝘨𝘪𝘴𝘭𝘢𝘵𝘪𝘰𝘯.

When an insurer assesses a mental health TPD claim, they must consider real-world employability - not just theoretical j...
31/05/2026

When an insurer assesses a mental health TPD claim, they must consider real-world employability - not just theoretical job possibilities. In a recent case, we successfully overturned a rejected claim after showing the insurer had misread the medical evidence and relied on hypothetical outcomes that didn't reflect our client's actual situation.

Here's how the case unfolded and why proper advocacy made all the difference: https://dub.sh/HaRY0Ol

When Kate came to us, she knew she had two superannuation accounts - but had no idea she actually had several more, or t...
31/05/2026

When Kate came to us, she knew she had two superannuation accounts - but had no idea she actually had several more, or that five of them carried insurance cover she was entitled to claim. After a thorough lost super search and months of work with the funds, we recovered over $880,000 in TPD and income protection benefits for her.

If you stopped working due to illness or injury and haven't looked into your super, it could be worth more than you think. Read the full case study: https://dub.sh/hrgRT9s

Back injuries are a common reason people stop working, but many Australians are unsure what disability insurance support...
03/05/2026

Back injuries are a common reason people stop working, but many Australians are unsure what disability insurance support they may have through super.

Two cover types are often relevant:
🡆 TPD claims focus on whether you can ever work again (either in your own role or any role you’re suited to, depending on the policy).

🡆 Income protection focuses on whether you can do your job duties during the insured period, and some policies pay partial benefits if your hours or income drop.

Medical evidence is the backbone of both TPD and income protection claims for back injuries.

Back injury claims can be complex, especially when insurers challenge whether your condition is serious enough or long-term enough to qualify for TPD or IP benefits. Getting the right advice early can make a significant difference to the outcome of your claim.

https://dub.sh/2RAtYEl

This case study (and win!) explores what can happen when an insurer blurs the line between support for “life events” and...
02/05/2026

This case study (and win!) explores what can happen when an insurer blurs the line between support for “life events” and a diagnosed mental health condition.

Our client’s TPD and income protection claims were denied after allegations of fraudulent non-disclosure by the insurer, blocking access to $1.4m in benefits.

By working closely with our client’s psychiatrist and correcting misleading medical records, we were able to challenge the insurer’s position in court and secure a lifechanging settlement, reinforcing the importance of clear evidence and persistence.
Read more here: https://dub.sh/eXPC3PC

Income protection can be a safety net when illness or injury stops you working, but claims often stall on three areas: m...
05/04/2026

Income protection can be a safety net when illness or injury stops you working, but claims often stall on three areas: medical evidence, the “date of disablement” (the point you became unable to work/stopped working due to your condition), and how your pre-disability income is calculated.

Clear, consistent medical evidence reports from your doctors, an accurate timeline of events, and complete financial records can help avoid disputes.

Simple preparation and appropriate legal advice can protect your entitlement. Learn more here:

https://dub.sh/vEDRjtI

Navigating disability insurance claims can be a complex and overwhelming process for many. In this win, we were thrilled...
04/04/2026

Navigating disability insurance claims can be a complex and overwhelming process for many. In this win, we were thrilled to help our client "Amit" (pseudonym) achieve a successful TPD and income protection claim, providing him with much-needed financial support as he battles severe alcoholism.

Our team guided Amit through confusing policy definitions, medical opinions, and more - turning what felt like an uphill battle into a victory.

💪 We’re here to help you find clarity and peace of mind.
https://bit.ly/4h5slR2

If you're unable to work due to illness or injury, you may be entitled to claim Total and Permanent Disability (TPD) ben...
23/03/2026

If you're unable to work due to illness or injury, you may be entitled to claim Total and Permanent Disability (TPD) benefits, and it is possible to claim from multiple super funds if you hold insurance in more than one fund.

Many people are unaware they can claim from more than one policy, but it’s essential to check the terms of each fund. Some funds may have restrictions, so understanding the right order for your claims can make a significant difference to the outcome.

Before submitting a claim, take the time to review all your super accounts or ask us to do a free review for you.
https://bit.ly/3gqWmeX

This case study highlights how important it is to understand your superannuation insurance, especially where there are p...
21/03/2026

This case study highlights how important it is to understand your superannuation insurance, especially where there are pre-existing condition exclusions.

Timothy had a rare genetic disorder, yet it was a sudden, separate illness that permanently stopped him working.

By aligning the medical evidence with the correct policy definitions, three TPD claims were all approved, totalling about $2 million.

The result allowed him to fund treatment, reduce financial stress and plan for his family’s future.

https://dub.sh/ZeHPzEr

When an eating disorder makes it too hard to keep working, TPD insurance may help.TPD claims for eating disorders can be...
20/03/2026

When an eating disorder makes it too hard to keep working, TPD insurance may help.

TPD claims for eating disorders can be complex. Insurers look closely at medical evidence, work history, treatment efforts and whether your doctors support that you are unlikely to return to suitable work.

Because symptoms can fluctuate, records need to show a lasting impact on work capacity.

If you’ve stopped work due to an eating disorder, make sure your medical notes and employment timeline line up and seek help early.

https://dub.sh/ZW7tfCp

When you're unable to work due to illness or injury, Total and Permanent Disability (TPD) insurance is meant to support ...
18/03/2026

When you're unable to work due to illness or injury, Total and Permanent Disability (TPD) insurance is meant to support you. However, many insurance policies include a "retraining clause" that can make the claims process more complicated.

These clauses require you to prove not only that you can't perform your usual job but also that you're unable to be retrained into another job. Insurers often overlook important factors like the cost and availability of retraining courses.

If you're dealing with a TPD claim, it's important to understand what your policy includes and seek expert advice to ensure your rights are protected.
http://bit.ly/37uW6au

Address

650 Mt Alexander Road
Moonee Ponds, VIC
3039

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