TOTAL and PERMANENT DISABILITY CASES
The cases below are circumstances where clients “claimed” against their Total and Permanent Disability policy.
Sarah’s story: Life Insurance, Accident, Paid $1.5m
Who is John?
John is 56 and a successful surgeon. He is married with two university-aged children still living at home.
What happened to John?
Over a recent period of time, John developed some concerning symptoms which eventually led to a diagnosis of Parkinson’s disease. As a surgeon, a steady hand is imperative, so this diagnosis has meant John can no longer work in his field of expertise. Thankfully John had a Total and Permanent Disability (TPD) policy, which specified that in the event that he could no longer work in his occupation he would receive a lump sum payment.
Where is John now?
John was able to use his TPD payment to relocate with his wife and their two sons to a single-story house that would be more suitable as his condition progressed. The payment also meant their lifestyle would be protected so they could focus on quality of life.
Irrespective of whether you DO or DON’T have Total and Permanent Disability, please CONTACT US today for a review:
Without the professional assistance of our Life Insurance Broker, these claims may not have been successful.
* Provided by TAL in 2017
Eloise’s Story: Myositis, Paid $630,000
Who is Eloise?
Eloise is a 49 year old woman who owns and runs a café with her husband Paul on Sydney’s northern beaches.
What happened to Eloise?
Eloise had been experiencing tiredness and muscle pain for several weeks, and was finding it harder to get through a long day working at her café. As a precaution Eloise decided to visit her GP to make sure it was nothing serious. Eloise was referred to a specialist who ran some tests and diagnosed her with Myositis. Due to the nature of her illness the doctor advised Eloise that she would not be able to return to work in her usual capacity. Thankfully Eloise also had a Total and Permanent Disability (TPD) policy, providing her with a lump-sum payment to cover her expenses in the event that she was unable to return to work.
Where is Eloise Now?
Eloise and Paul were able to use the TPD payments to make some changes to their house so that it would be more comfortable for Eloise as her condition progressed. Eloise is managing her illness and is positive about the future.
Irrespective of whether you DO or DON’T have Total and Permanent Disability, please CONTACT US today for a review:
Without the professional assistance of our Life Insurance Broker, these claims may not have been successful.
* Provided by TAL in 2017
* Case Studies TAL & Zurich.
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