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Category | TPD

Case Study – Steve Woodhouse

This claims case study was presented at the Association of Financial Advisers (AFA) National Conference in 2014. Former AFL executive, Steve Woodhouse, was diagnosed with Parkinson’s Disease at age 50. Mr Woodhouse was fortunate to not only have appropriate cover in place to support him and his family, but also a supportive advice team to […]

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Case Study – Unsuccessful Job Applications and their Impact on TPD

In the case of Birdsall v Motor Trades Association of Australia Superannuation Fund Pty Ltd and MetLife Insurance Limited, the Supreme Court of New South Wales delivered a judgment which considered, among other things, whether an insured’s unsuccessful job applications demonstrated Total and Permanent Disablement (TPD) under a group life insurance policy. TurksLegal Senior Associate, […]

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Case Study – Preston v AIA Australia

In this legal case, a carpenter who took out a life insurance policy with AIA Australia, took the insurer to court for refusing to pay his TPD claim. The original judgement found in favour of the insurer, because the insured’s injury did not meet the policy definition of ‘accidental injury’. This decision was upheld by […]

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Case Study – Why I Became An Adviser

Risk Management, Estate Planning & Business Succession Specialist, Mark Everingham, watched his family struggle financially after his father suffered a heart attack. The experience would have a significant impact on Mark’s future career path, as he shares here…

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Case Study – Powerful Client Letter

This letter was sent to the adviser by the mother of a 27 year old man, diagnosed with cancer. It demonstrates the value that advisers deliver every day to individuals faced with genuine hardship. As the adviser points out, successful client relationships and client outcomes are at the centre of what advisers do, and technical […]

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Case Study – Smoking Status

In this claims case study, the adviser shares the difficulties he encountered when lodging a claim for a client who had quit smoking prior to taking out his policy. The case study emphasises the importance of disclosure and definitions, and more significantly, the vital role a proactive and passionate adviser plays from contract to claim. At […]

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Case Study – Any Occupation TPD

In this claims case study, the adviser tells how she stepped in to help the client receive the TPD benefit they were entitled to through an industry super fund. It highlights the complexity of claims for group insurance inside superannuation, particularly when looking at the ‘any’ versus ‘own’ occupation definition. At a glance Provided by: […]

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Case Study – Interpreting the Policy Intent (Example 2)

In this claims case study, the claimant was denied a TPD payment as her specialist did not believe she would be unable to work again. The dealer group was able to negotiate an overturn of the insurer’s original decision to decline the claim by contacting an alternative medical specialist. It demonstrates the importance of building […]

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