Based on your responses, we encourage you to call our team to discuss further. Navigating the process of claiming Total and Permanent Disability benefits can be challenging, especially while you're still working. Typically, to initiate an insurance claim, you must have ceased working due to illness or injury.

If your health challenges are making it difficult for you to continue working or if you anticipate stopping work in the future, we invite you to contact us at 03 9001 1318 or by email [email protected]. There may still be an opportunity for you to make a claim, and we are here to guide you through the process.

Regarding your insurance coverage, it's crucial to consider it while you're actively working. Ensure that you have insurance benefits through your super fund, securing the possibility of a claim if you face an inability to work in the future. This involves maintaining your membership in superannuation accounts with existing cover and ensuring the continuity of employer contributions.

It's important to note that obtaining or adjusting your insurance cover can present complexities, especially if, at the time of application or modification, you are absent from work due to illness or injury, have reduced hours or restricted duties, or are receiving compensation payments (such as WorkCover, Centrelink Sickness Benefits/Disability Support Pension).

If you have uncertainties about your insurance entitlements, please don't hesitate to contact us. We can assess your current insurance cover and discuss its potential impact on your situation. Your well-being is our priority, and we are here to support you through these considerations.