As more people use digital services, scams are becoming a bigger threat. With Australians using online platforms for banking and socialising, it’s important to have strong protections. The Australian Federal Government’s Scams Prevention Framework aims to reduce scams and protect consumers.
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Jessica (a pseudonym) lodged a TPD claim for a shoulder injury from 2014, which was rejected. After many years and further injuries and illness, she finally sought legal advice and assistance, which resulted in a successful TPD claim payout of $700,000.
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In September 2024, the Australian federal government announced that it will legislate to completely ban the use of genetic test results in underwriting life insurance. This is an important step which will enable people to undergo genetic tests without fear of the results being used against them when they apply for a life insurance product.
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The Insurance Contracts Act 1984 contains important consumer protections designed to prevent insurers from relying on pre-existing defect or imperfection exclusion clauses to decline claims when the insured was not reasonably aware of those defects or imperfections at the time they took out the policy.
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In most cases, a TPD claim can be made at the same time as claims for income protection benefits, provided that you have your doctors’ support that you meet both of the relevant definitions. This means that many people can make the two claims simultaneously.
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In addition to compensation options for survivors of child sexual abuse, there may also be options to claim on TPD and income protection insurance benefits held in super accounts or directly if they are forced to cease work due to illness associated with the abuse.
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