{"id":33989,"date":"2016-08-03T00:08:42","date_gmt":"2016-08-02T13:08:42","guid":{"rendered":"https:\/\/riskinfo.com.au\/news\/?p=33989"},"modified":"2025-09-02T11:34:33","modified_gmt":"2025-09-02T01:34:33","slug":"poll-changes-to-tpd-definitions","status":"publish","type":"post","link":"https:\/\/riskinfo.com.au\/news\/2016\/08\/03\/poll-changes-to-tpd-definitions\/","title":{"rendered":"Changes to TPD Definitions"},"content":{"rendered":"<div id=\"polls-166\" class=\"wp-polls\">\n\t\t<div class=\"pollHeader\"><strong>Will you reconsider your approach when advising on TPD cover benefits, given the recent court ruling that blurs the distinction between \u2018unable\u2019 and \u2018unlikely ever\u2019 definitions?<\/strong><\/div><div id=\"polls-166-ans\" class=\"wp-polls-ans\"><ul class=\"wp-polls-ul\">\n\t\t<li>No <small>(41%)<\/small><div class=\"pollbar\" style=\"width: 41%\" title=\"No (41% | 69 Votes)\"><\/div><\/li>\n\t\t<li>Yes <small>(38%)<\/small><div class=\"pollbar\" style=\"width: 38%\" title=\"Yes (38% | 65 Votes)\"><\/div><\/li>\n\t\t<li>Not sure <small>(21%)<\/small><div class=\"pollbar\" style=\"width: 21%\" title=\"Not sure (21% | 36 Votes)\"><\/div><\/li>\n\t\t<\/ul><div style=\"text-align: center\"><\/div><\/div>\n\t\t<input type=\"hidden\" id=\"poll_166_nonce\" name=\"wp-polls-nonce\" value=\"ee2d35f943\" \/>\n<\/div>\n\n<p>Our latest poll asks you to consider your approach to TPD policies in light of a recent court decision which effectively removed the distinction between \u2018unable\u2019 and \u2018unlikely ever\u2019 to return to work.<!--more--><\/p>\n<p>The decision, which was part of a case heard in April this year, elevated \u2018unlikely ever\u2019 to mean a very high probability that a person could not return to work in their chosen field or another field based on their education, training and experience, and placed it on par with an \u2018unable\u2019 definition (see:\u00a0<a href=\"https:\/\/riskinfo.com.au\/news\/2016\/07\/26\/critical-court-decision-removes-tpd-distinctions\/\" target=\"_blank\">Critical Court Decision Removes TPD Distinctions<\/a>).<\/p>\n<p>BT\u2019s Jeff Scott says the decision is an important change for advisers and their clients, particularly where they hold \u2018Any Occupation\u2019 TPD policies, and who may now struggle to make a successful claim after the precedent set by this case.<\/p>\n<p>As you cast your vote, let us know whether you were aware of this issue or have started to see changes to the terms of TPD policies that reflect the court\u2019s position and the possible impact it may have on your clients\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our latest poll asks you to consider your approach to TPD policies in light of a recent court decision which effectively removed the distinction between \u2018unable\u2019 and \u2018unlikely ever\u2019 to return to work.<\/p>\n","protected":false},"author":3,"featured_media":34016,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8294,49,4],"tags":[4247],"class_list":["post-33989","post","type-post","status-publish","format-standard","has-post-thumbnail","category-claims","category-polls","category-products","tag-feature"],"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/33989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=33989"}],"version-history":[{"count":0,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/33989\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/34016"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=33989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=33989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=33989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}