Superannuation

A trusted superannuation claims handling partner

Since 2015, EML has partnered with some of Australia’s leading superannuation funds, trustees and administrators to manage both insured and uninsured claims.

Our deep understanding of income protection (IP), total and permanent disability (TPD), and death benefit claims enables us to design and implement tailored claims management solutions. 

Our strong, long-standing relationships highlight the success of our approach. By leveraging our experience and expertise, EML continues to enhance its reputation as a trusted industry partner. From managing complex income protection, TPD claims and death claims to exceeding industry benchmarks for timeliness and decision-making accuracy, EML’s proven track record highlights our commitment to excellence. 

Whether it’s supporting trustees, engaging members, or ensuring compliance with regulatory standards, EML continues to drive better outcomes for members and achieve significant financial savings for insurers.

Light blue square shape on a colored background.
Simple blue icon representing a generic concept.

The EML difference

Our services

Offering solutions to all aspects of Superannuation claims management

In working with EML, our partners gain access to a trusted, experienced provider with the capabilities to enhance claims operations and improve member experience.

White labelled claims management

We specialise in delivering customised, white-labelled claims management solutions that integrate seamlessly with our partners brands.

  • Seamless Integration: We act as a trusted extension of our partners business.
  • A co-designed operating model: We align with the strategic goals and objectives, embedding processes into business rules and governance frameworks.
Portfolio remediation

We offer solutions of claim portfolios, depending on need and liabilities. We can provide end to end claims management support, or tailor solutions to address trends or performance risks within portfolios. Our responsibilities include all core claim determination functions, comprehensive claims assessment services for TPD, terminal illness, and death claims.

  • Seamless Integration: We act as a trusted extension of our partners business.
  • A co-designed operating model: We align with the strategic goals and objectives, embedding processes into business rules and governance frameworks.
Group of women collaborating in a modern workspace
Trustee delegation

We can act as the trustee delegate, providing comprehensive claims assessment services for TPD, terminal illness, and death claims.

  • Dedicated expertise: Claims are managed onsite by an experience team, supported by specialists.
  • Performance tracking: We provide reporting and SLA dashboards to track performance, trends, and compliance.
Outsourced claims management

We have proven experience in managing a range of claim types. Commonly, we provide an outsourced claims service for sensitive claims for superannuation funds, offering outsourced claims management for income protection and TPD claims for superannuation staff and family members.

  • Confidentiality: Claims which are sensitive are removed from the standard operating process for the fund, ensuring confidentiality on sensitive information.
  • Specialist approach: Partners benefit from our specialist approach. Our performance consistently exceeds industry benchmarks in claims determination, dispute resolution and member payments.

News & Community

Latest news

Proposed NSW reforms bulletin

The NSW Government has announced its intention to introduce reforms that will...

Supporting superannuation trustees after ASIC’s review

In April 2025, ASIC released its report, “Taking ownership of death benefits:...

Finalists in the 2025 icare NSW Case Management Awards announced

Congratulations Ali, Catherine, Dakota and Greg for being named finalists in this...

Protecting workers’ rights and upholding fair payment practices

The Australian Government has legislated a significant legal change with the introduction...
Person smiling, wearing headphones at a computer.
Get in touch your way
Chat with our local claim experts - we're always here to help