The merger of BT Super and Mercer was finalised on 1 April 2023. Former BT Super members have had their disability insurance policies, like total and permanent disability and income protection, transferred to Mercer. This change in TPD and IP cover may have significant implications for former BT Super members.
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Some travel insurers may refuse to pay for medical treatment or other costs incurred due to illnesses or injuries caused by, for example, alcohol consumption (even indirectly) or which involve activities which are excluded under the policy because they are dangerous. This summary covers some of the more commonly relied upon travel insurance exclusions.
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TPD or income protection definitions that apply to claim could include very specific requirements in relation to their medical treatment. TPD and income protection definitions differ depending on who your insurance cover is with.
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Aside from entitlements such as worker’s compensation, many workers whose work capacity has been affected as a result of silicosis or any other dust-related condition such as asbestosis or mesothelioma may also have entitlements to disability insurance like income protection or TPD.
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If you claim income protection benefits due to injury or illness, what happens with the monthly payments if you’ve received a lump sum payment like TPD or worker’s compensation? Will your income protection insurance still be paid after you receive that lump sum payment? The most direct answer to the above question is, it depends!
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Most disability and life insurance policies, including TPD, income protection and life benefits will continue cover if you leave the country temporarily. However, the situation becomes more complicated if you relocate permanently. Each policy is different and must be checked for your individual circumstances.
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