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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In May 2022, ASIC commenced a review of scam prevention and detection responses of Australia’s big four banks. ASIC found that very few scams are detected by banks, and only a tiny percentage of customers are reimbursed for their losses. We review the primary findings of the investigation and explore your options if you’ve been the victim of a scam.
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In this article, we explore business interruption insurance as a result of natural disasters, including floods, bushfires, structural fires and storms.
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