In the last 5 years, there is a worrying trend creeping into Total and Permanent Disability insurance benefits of imposing a much harsher ‘Activities of Daily Living’ (ADL) test.
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Usually your super, which includes your account balance and any superannuation death benefits will be paid to your dependents when you die. But not always!
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Many people think that life insurance policies will not pay out when death is caused by suicide. This is not always the case.
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Significant changes to insurance in super from July this year sees any inactive account with continuing insurance cover, having that insurance switched off on 1 July 2019 unless...
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QSuper has changed its insurance arrangements in a number of different ways over the last decade. Discover more about which TPD definition applies to your claim.
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Many people base their potential TPD entitlement on whether or not they're entitled to a Disability Support Pension (‘DSP’) or worker’s compensation benefits. This is incorrect.
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