We find that many people assume that they cannot claim an insurance benefit because of a pre-existing condition exclusion. This is incorrect. In short, the insurer must prove that these exclusions apply and this can be difficult for them to do.
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For individuals living with Cystic Fibrosis, managing the daily challenges can sometimes lead to a reduced capacity for work and, in some cases, the need for financial support through Total and Permanent Disability (TPD) and income protection insurance claims.
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Many of the people that we help with disability insurance claims, like TPD, income protection or trauma insurance claims, are also claiming or being paid Centrelink JobSeeker or Disability Support Payments. In these cases, it’s important to understand the impact of claiming and being paid any of these disability insurance benefits may have on your Centrelink benefits.
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If you get a “Class Action Notice” from the Federal Court regarding the COVID-19 business interruption insurance class action against The Hollard Insurance Company or Insurance Australia Limited (IAL), this information sheet tells you what it means and your rights.
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With disability insurance claims, there are often complications around policy definitions, medical opinions, timing of claims and pre-existing conditions. In this case review, we were absolutely delighted to secure a successful TPD claim and income protection benefits for our client.
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Our client had submitted a death benefit claim under her late brother’s mortgage insurance policy. The insurer had indicated to her that they required all her late brother’s medical records and may decline the claim on the basis that her late brother’s drinking problem was a pre-existing medical condition.
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