We have worked with incarcerated people in prisons across most states of Australia to claim income protection and TPD insurance benefits. These claims can be a little complicated, but not impossible.
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The legal meaning of capacity, put simply, is a person’s ability to enter into binding agreements (like contracts) or to make other legal decisions like. We see our role as lawyers and advocates, as not only making sure that we get great our outcomes for our clients but also to make sure that we explain (and our clients understand) the work that we are doing for them.
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Contrary to the opinion that only older people experience dementia related diseases, the reality is that many people suffer from dementia symptoms, most commonly due to Alzheimer’s disease, whilst they are still working. These people are almost always entitled to claim disability insurance entitlements if they are forced to cease work.
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We have helped a number of people claim income protection and TPD benefits after they have suffered traumatic or acquired brain injury (ABI). While doing this work, we have learned that no two ABI/TBIs present in the same way. No matter how an ABI occurred or how it affects you, you should seek advice about a possible insurance claim, TPD and/or income protection.
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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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