Throwaway86 » user profile
![](https://files.ozbargain.com.au/g/128.jpg)
Status | In Penalty Box. |
---|---|
Member Since | 18/10/2019 |
Last Seen | 22/10/2019 |
Location | Sydney |
Recent Activities
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Lot more claims stemming from people getting their statement and realising they had cover. Other issue is that we can't lock in advance…
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Depends on the fund. Industry specific funds like Equip, HESTA or Hostplus are going to have much higher blue collar claims to white…
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Wasn't able to read the article but the underwriter of the product is always identified in the PDS. A lot of the names mentioned in the…
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Generally the only wriggle room is to contest the legitimacy of the document rather than the preference. In the situation you raise, if the…
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Most funds will have an underwriter. They can't handle such a huge level of risk by themselves. MetLife would meet and develop a policy…
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You can claim on both concurrently. Say you put a claim in for both for your bad back, you're off work waiting for surgery to fix a lumbar…
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Main differences but not exclusively: Can hold a variety of products through retail that super cant legally offer. trauma, child trauma,…
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On the whole, great ideas that will see great outcomes for policy holders (can't say I enjoy speaking to claimants every 3 weeks to tell…
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Sorry I can't give better news :(
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Also, re: recommendations. Difficult to say given a lot of industry shake up since RC. Still wouldn't recommend touching AMP with a…
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Each will have different limits, and different approaches. Some will apply exclusions. Some will add premium loading. Others will want your…
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I usually overpay someone at least once a month largely because I'll take their word for when they're returning to work rather than wait…
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Heavy manual is probably paying 2.5x the premium that a professional is, and does t have access to the auto approved limits that…
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They'd definitely consider it.
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There's a chain of command as such that needs to be adhered to. Legally binding beneficiary first and foremost (noting only certain…
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Industry is desperate for more bodies on desks currently. Not as silly as I assume the troll intended. Legal background, medical, any…
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Provided your doctor advises it's necessary, the costings are shown. You haven't done it within 12 months, they're pretty unlikely to say…
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Checked to see if you have income protection?
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Sorry. Financial hardship won't happen without Centrelink. Compassionate grounds limited to medical expenses,funeral expenses or mortgage…
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Nowhere near qualified to give an exact figure there. Depends on your circumstances - mortgage, kids, how much would your home require…
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I think there's a good chance you can get it approved. Especially if the office job is significantly less income than prev role, and was…
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I haven't seen a burger flipper one yet. I don't think I'd want to have that discussion. The retraining clause is heavily reliant on what…
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Good question. I really can't remember what logic was confirmed in the end. I still believe that based on the twenty mins between autopsies…
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In my view, and I suspect there'd be plenty to try and challenge it, but given that it was a single event that caused both deaths, there is…
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At this time of year, Maybe ten hours a week overtime unpaid. It's a busy 9 to 5 though. My internet at work time has dwindled…
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What was his prior occupation? Heavy manual it sounds like? What sort of timeframe was he off work between taking a lesser role? Without…
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Started on phones in call center. Went into admin. Moved up from there. Claims admin (I.e. setting up claims paperwork, call centre) is…
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Not really, no. In my current role, we're accepting 98% of claims, with the remaining 2% requiring a "please explain" to the trustee. The…
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Depends on the policy. Check with your fund. Definitely some out there that will maintain cover so long as premiums paid. Majority will…
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I tend to agree with StonerWizard's points below. There's a lot more nuance to it than just any or own. Lot of policies will have the…
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