In February 2022, Australia saw the largest superannuation fund merger in its history when Sunsuper and QSuper merged to become the Australian Retirement Trust (ART). Shortly after, in April 2022, the Australia Post Superannuation Scheme was also merged into Australian Retirement Trust. What does this mean for members?
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John (a pseudonym) came to us in October 2024 after his insurer made allegations that he had fraudulently failed to disclose certain medical conditions during his application for disability insurance cover back in 2012. John was seeking a payout on multiple insurance policies, including for terminal illness, TPD, income protection and trauma insurance.
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Increasingly we are getting enquiries from people about making disability insurance claims due to endometriosis. This blog will look at how and when people with endometriosis may be entitled to disability insurance benefits, including income protection and TPD.
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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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