STUDY ONE – THE SELF-EMPLOYED MECHANIC
Joe is a 48 yr old self employed mechanic running a successful business.
He does 20% manual work, 30% supervision of other mechanics and 50% administration work.
Joe is married with four children.
Joe is involved in a motor vehicle accident and injures his right arm, back and right leg. Joe had actually fractured his right arm and was unable to move his arm for three months. Joe is right hand dominant.
Thankfully, Joe had an up to date superannuation policy with a TPD Benefit with an “any occupation” definition.
Medically, Joe’s claim is valid as a result of the severe medical trigger and permanent nature of the injury.
The definition of “any occupation” will need to be looked at. Joe can’t participate in the 20% manual work but is still ok to perform the 80% administrative duties, his claim would not meet the definition of “any occupation” TPD.
However if Joe’s workload was 100% manual work and he was untrained or not qualified for any other occupation then he would have a valid TPD Claim.
If you can relate to the above scenario, then we can help you make a claim….
STUDY TWO – THE NURSE
Jenny is a Registered Nurse and has been working for Queensland Health for several years. She has also supplemented her income by working weekends with BlueCare.
At 52 years of age, Jenny was diagnosed with breast cancer and although her prognosis was good she decided to take early retirement to focus on her health.
Jenny was automatically covered under a Government Superannuation Scheme for invalidity cover (also known as TPD). Jenny also had a small amount in a HESTA Superannuation Fund being enough to entitle her to income protection insurance.
Under the Government Scheme, Jenny can apply to make a claim for invalidity retirement benefits, The trustee of the scheme will make a decision as to whether or not they accept Jenny’s claim on the basis of medical evidence.
The HESTA income protection insurance will entitle her to benefit payments until she is 60 years old.
If your circumstances are similar to those above, please enquire here as to whether you can make a claim.
STUDY THREE – THE TRANSPORT WORKER
Katharine had been employed in the transport industry for approximately 15 years when she was forced to stop working after she was diagnosed with fibromyalgia and chronic fatigue syndrome.
Some 11 years after she ceased working, she became aware that she was able to make a claim for TPD under her superannuation fund.
Katharine’s claim was initially rejected by her superannuation fund but after some perseverance the claim was finally accepted.
Katharine received a lump sum amount to enable her to secure her financial future.
If you have lodged a TPD claim with your superannuation fund and it has been rejected, then call us and we can help you…
STUDY FOUR – THE SALES REPRESENTATIVE AND FAMILY MAN
Deon, a 23 year old man, worked for a national retailer as a sales representative.
He is married with two young children and many household expenses.
Deon’s doctor diagnosed him as having MS when he began feeling extremely tired. He resigned from his position at the retailer. Deon was never made aware that he could make a TPD claim under his superannuation policy.
It was by accident, that he heard somebody talking about superannuation and the insurance attached to it and decided to look into whether or not he could make a claim.
Thankfully, Deon had TPD cover attached to his superannuation and was able to make a claim. The trustee for the Superannuation fund accepted his claim and made a lump sum payment that has made life easier for him and his family.
Please call us if you are in similar circumstances to those stated above.