Earlier today, the Australian Federal Government confirmed it would be introducing legislation into Parliament to provide for a Royal Commission into the conduct of banks.
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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.
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It is well established that people with physical illnesses or injuries can claim Total and Permanent Disability (“TPD”) and other disability benefits. However, we are still often asked, can I claim a TPD benefit due to depression?
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Insurance within Super is designed to top up their retirement income so that they (or their dependants) will not be an unnecessary burden on the age or disability pension system.
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Under an Act of parliament which was active between 2004 and 2015, many Australian Disability Enterprise employers (that is, businesses who employed people with a disability), paid workers a reduced wage.
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Overall, the new draft Code is a good first step to improve superannuation in insurance, which has had its problems over the last five years. The Code, which is due to commence on 1 July 2018, will be reviewed within three years and this may include seeking ASIC-approval which would be an important step.
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