From 1 July 2019 to 30 June 2024, life insurers have agreed not to use genetic test results as part of life insurance application assessments for death and TPD policies, trauma policies and income protection policies.
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If you need to take time away from work for treatment for cancer or due to the ongoing and permanent impacts that the cancer and the associated treatment has on your health, you can probably claim income protection and TPD insurance benefits from your super.
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If you suffer Chronic Fatigue Syndrome, which is also known as Myalgic Encephalomyelitis, you may be entitled to TPD benefits through your super insurance.
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Income protection benefits are sometimes also referred to as salary continuance benefits or total and temporary disability benefits. As their names suggest, these benefits provide an alternative source of income for you to live on if you are unable to work due to illness or injury.
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If you are diagnosed with Parkinson’s Disease, it is possible that at some point you will be forced to cease working either temporarily or permanently due to the impact of the illness on your work capacity. If you do stop work, you may be entitled to TPD benefits or income protection benefits you hold in an insurance policy.
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In most super funds, there is no time limit for claiming insurance benefits. In other words, in most cases people can lodge a total and permanent disability (“TPD”) or income protection claim on superannuation based policies years after they cease work.
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