5 common tricks and traps when claiming TPD insurance

02 April 2021

JobKeeper is ending – sick or injured workers losing employment may consider a TPD or Income Protection claim

25 March 2021

As the JobKeeper wage subsidy comes to an end 21 March 2021, businesses who have relied on the subsidy to continue to operate will be forced to let staff go. We often see that the first staff members to be let go during tough times are those that suffer from injury or illness. What are their options?

What’s the deal with TPD claims and your capacity to work?

22 March 2021

We are often asked; can I return to work after my TPD claim is accepted? The answer varies from person to person and depends on the relevant definition of TPD that your claim refers to.

TPD and Income Protection Insurance for People with a Chronic Illness

05 March 2021

Many people who suffer from a chronic illness such as Multiple Sclerosis, Cancer, Motor Neurone Disease, Parkinson’s Disease, Chronic Heart Disease, Fibromyalgia, Depression or Chronic Fatigue Syndrome have potential superannuation insurance entitlements that they are unaware of that could make a substantial difference to their lives.

What’s the difference between income protection and TPD insurance?

24 February 2021

Income protection, also known as salary continuance benefits are a type of insurance where benefits are paid for a defined period; usually 2 years, 5 years or until age 60 or 65. Total and Permanent Disability (“TPD”) benefits are usually lump sum payments which are paid to people who cease work due to injury or illness...

Pandemic exclusion clauses; business insurance, travel insurance, injury and illness insurance

14 December 2020

As insurance lawyers, it’s been interesting to see the pandemic exclusion clauses in use during the year. These clauses, for the most part, have had an effect on business insurance and travel insurance. Fortunately, for people accessing injury and illness insurance, exclusion clauses have had little impact.