Tag Archives | blue collar

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 – Insuring Your Friends

In this claims case study, an accident left the client totally disabled. He later died from the condition. The claimant in this case study was a close friend of the adviser, 2010 AFA Adviser of the Year, Steve Salvia. He highlights the importance of ‘doing the right thing’ for those close to you, whether they […]

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Error, group does not exist! Check your syntax! (ID: 10)

Case Study – Interpreting the Policy Intent (Example 1)

In this claims case study, the adviser was able to negotiate an overturn of the insurer’s original decision to decline the claim by looking closely at the original intent of the policy, as well as its literal wording. It demonstrates the importance of building strong relationships between advisers, dealer group management and claims managers. At a […]

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