When an eating disorder becomes so severe that you can no longer work, your superannuation TPD cover may provide a financial lifeline. But claiming a TPD benefit in those circumstances is rarely straightforward.
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Two of the most important definitions used in TPD insurance are “own occupation” and “any occupation.” Understanding the difference between these terms is essential because it can determine whether your claim is accepted or rejected, and how difficult it will be to prove your entitlement.
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We secured a significant TPD payout for our client after years of pain, delays and two trustee rejections. This article highlights how strong medical evidence, persistence and experienced legal guidance can shift an insurer’s position.
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Fibromyalgia is a chronic condition that causes widespread pain, fatigue, and cognitive difficulties. While TPD and income protection insurance can provide financial support, these claims can be challenging because fibromyalgia symptoms are often variable, subjective, and hard to measure.
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TPD claims are often complex, with strict definitions and detailed evidence requirements to optimise the success of a claim. This blog explores some of the main challenges people face when making a TPD claim and how to manage those challenges.
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Underinsurance is a silent trap that catches many business owners off guard – especially during times of crisis. In this win, we helped a café owner recoup losses from their insurance broker after demonstrating that the broker failed in their duty of care when advising on and arranging our client’s business interruption insurance, including annual renewals.
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