---
title: "Request for the reasons and documents relied on in a superannuation disability decision"
url: "https://ailawframework.com/precedents/superannuation/insurer-reasons-and-documents-request"
type: "precedent"
site: "AI Law Framework"
id: "a27-insurer-reasons-and-documents-request"
area_id: "A27"
kind: "letter"
ai_level: "yellow"
version: 1
task_ids: ["A27-TP20261023-4"]
law_stated_as_at: "2026-10-23"
---

# Request for the reasons and documents relied on in a superannuation disability decision

> A letter asking the insurer, and the trustee where the trustee owns the policy, for the reasons for a decision on income protection or disablement cover and for copies of the documents relied on.…

Canonical page: https://ailawframework.com/precedents/superannuation/insurer-reasons-and-documents-request  
Law stated as at: 2026-10-23

Site index for agents: https://ailawframework.com/llms.txt

A letter asking the insurer, and the trustee where the trustee owns the policy, for the reasons for a decision on income protection or disablement cover and for copies of the documents relied on. It is not itself a complaint.

## Key facts

- Kind: Letter. A letter or email you adapt and send.
- Practice area: [Superannuation](https://ailawframework.com/precedents/superannuation.md)
- Jurisdictions: Victoria, Queensland, New South Wales
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-23
- Status: Maintained. Checked on 2026-10-23 against the 5 authorities it cites, for Victoria, Queensland and New South Wales.

## When to use it

Use after a decision that declines, closes or limits an income protection or total and permanent disablement claim on cover held in superannuation. Do not use it as the Corporations Act information request to a trustee, as the internal complaint, or as an AFCA complaint.

## Used for these tasks

- [Ask the trustee to pursue the insurer and to give reasons for a disability decision](https://ailawframework.com/practice/superannuation.md#A27-TP20261023-4)

## How AI may be used

The lawyer and the tool draft the request from the decision notice, and the lawyer checks that the notice, the date and the list of missing documents match the file before it is sent.

**AI may:**

- Quote the decision and its date from the notice
- Ask for the reasons if the notice did not state them, and for copies of the documents relied on
- Send the request to the insurer, the trustee, or both, as the notice shows who decided

**AI must not:**

- Must not call this letter a complaint or an AFCA complaint
- Must not invent a document that the notice does not suggest was relied on
- Must not ask the insurer to swear a statutory declaration
- Must not use this letter in place of the Corporations Act request for fund information

**The lawyer checks:**

- The decision date and the maker of the decision are taken from the notice
- The 10 business days are asked for only where clause 5.58 or clause 7.14 of the Life Code applies, and only if the insurer subscribes
- Medical documents that come back stay in the firm's approved tool
- Draft only in the firm's approved tool. In Victoria and New South Wales, do not disclose confidential client information without authority under Australian Solicitors' Conduct Rules r 9.2.1. A Queensland solicitor checks the local conduct rules.
- If client information leaves the approved environment, check APP 11 and whether there is an eligible data breach under the Privacy Act notifiable data breach scheme.

## Authorities

- [Life Insurance Code of Practice, applicable from 1 March 2025 (claims timeframes, reasons and documents, and complaints about cover a superannuation trustee owns)](https://lifeccc.org.au/resources/life-insurance-code-of-practice/)
- [Superannuation Industry (Supervision) Act 1993 (Cth) s 52(7)(d) (covenant to do everything reasonable to pursue an insurance claim for a beneficiary if the claim has a reasonable prospect of success)](https://classic.austlii.edu.au/au/legis/cth/consol_act/sia1993473/s52.html)
- [Legal Profession Uniform Law Australian Solicitors' Conduct Rules 2015 r 9 (confidentiality of client information)](https://legislation.nsw.gov.au/view/html/inforce/current/sl-2015-0244)
- [OAIC, Australian Privacy Principles guidelines, Chapter 11 (APP 11: reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure)](https://www.oaic.gov.au/privacy/australian-privacy-principles/australian-privacy-principles-guidelines/chapter-11-app-11-security-of-personal-information)
- [OAIC, Data breach preparation and response, Part 1 (Notifiable Data Breaches scheme in Privacy Act 1988 (Cth) Part IIIC: notify individuals and the Commissioner of an eligible data breach)](https://www.oaic.gov.au/privacy/notifiable-data-breaches/preventing-preparing-for-and-responding-to-data-breaches/data-breach-preparation-and-response/part-1-data-breaches-and-the-australian-privacy-act)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/superannuation/insurer-reasons-and-documents-request and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*