{"id":69659,"date":"2024-01-30T12:03:28","date_gmt":"2024-01-30T02:03:28","guid":{"rendered":"https:\/\/riskinfo.com.au\/news\/?p=69659"},"modified":"2024-02-06T12:16:14","modified_gmt":"2024-02-06T02:16:14","slug":"tpd-mental-health-claims-what-advisers-say","status":"publish","type":"post","link":"https:\/\/riskinfo.com.au\/news\/2024\/01\/30\/tpd-mental-health-claims-what-advisers-say\/","title":{"rendered":"TPD Mental Health Claims \u2013 What Advisers Say"},"content":{"rendered":"<div id=\"polls-317\" class=\"wp-polls\">\n\t\t<div class=\"pollHeader\"><strong>The rising number of TPD mental health claims is due mainly to greater social acceptance of those suffering mental health conditions.<\/strong><\/div><div id=\"polls-317-ans\" class=\"wp-polls-ans\"><ul class=\"wp-polls-ul\">\n\t\t<li>Agree <small>(58%)<\/small><div class=\"pollbar\" style=\"width: 58%\" title=\"Agree (58% | 77 Votes)\"><\/div><\/li>\n\t\t<li>Disagree <small>(30%)<\/small><div class=\"pollbar\" style=\"width: 30%\" title=\"Disagree (30% | 39 Votes)\"><\/div><\/li>\n\t\t<li>Not sure <small>(12%)<\/small><div class=\"pollbar\" style=\"width: 12%\" title=\"Not sure (12% | 16 Votes)\"><\/div><\/li>\n\t\t<\/ul><div style=\"text-align: center\"><\/div><\/div>\n\t\t<input type=\"hidden\" id=\"poll_317_nonce\" name=\"wp-polls-nonce\" value=\"d306c9078e\" \/>\n<\/div>\n\n<p>The adviser community appears divided on whether the rising number of TPD mental health claims is mainly due to greater social acceptance of those in the community suffering mental health conditions.<\/p>\n<p>As we go to press just over six in 10 respondents (61%) to our latest poll are in agreement that this is the primary reason behind the surge in mental health TPD claims.<\/p>\n<p>However nearly four in 10 either disagree (27%) or are not sure (12%).<\/p>\n<blockquote><p>&#8230;the challenge for claims case managers to objectively assess the merits of many mental illness TPD claims is almost impossible&#8230;<\/p><\/blockquote>\n<p>As we noted last week, while the challenge for claims case managers to objectively assess the merits of many mental illness TPD claims is almost impossible \u2013 therein leading to the need to incorporate subjective assessment \u2013 this does not seem to have dampened the volume of what the insurers report to be a growing proportion of TPD claims that are subjective in their nature.<\/p>\n<p>This poll arose from our recent <a href=\"https:\/\/riskinfo.com.au\/roundtable\/zurich-tpd-round-table-part-3\/\" target=\"_blank\" rel=\"noopener\">TPD Round Table<\/a> which considered how the \u2018normalisation\u2019 of mental illness within the Australian narrative appears to have subsequently opened the door to more claims \u2013 certainly for income protection insurance \u2013 and probably for TPD claims as well. (See <a href=\"https:\/\/riskinfo.com.au\/news\/2024\/01\/16\/normalisation-of-mental-illness-causing-tpd-conflict\/\" target=\"_blank\" rel=\"noopener\">\u2018Normalisation\u2019 of Mental Illness Causing TPD Conflict<\/a>).<\/p>\n<p>Our poll remains open for another week and we welcome your views\u2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The adviser community appears divided on whether the rising number of TPD mental health claims is mainly due to greater social acceptance of those in the community suffering mental health conditions. As we go to press just over six in 10 respondents (61%) to our latest poll are in agreement that this is the primary [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":69667,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[49,4],"tags":[],"class_list":["post-69659","post","type-post","status-publish","format-standard","has-post-thumbnail","category-polls","category-products"],"_links":{"self":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/69659","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\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/comments?post=69659"}],"version-history":[{"count":0,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/posts\/69659\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media\/69667"}],"wp:attachment":[{"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/media?parent=69659"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/categories?post=69659"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskinfo.com.au\/news\/wp-json\/wp\/v2\/tags?post=69659"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}