Worked in the industry for 8 years.
Death, TPD, Income Protection, Terminal Illness, Financial Hardship.
Happy to assist where I can.
[AMA] I'm a senior claims assessor for a super fund
LThrowaway86 on 18/10/2019 - 16:51
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I got insurance removed from my super a few years back as I thought they were charging a bit too much when I noticed that deduction on the statement which I didn't elect when joining super. Is there any cheaper, stand-alone insurance product in the market that I can go for instead of going to the insurance add-on provided by super?
Or would you recommend to go for the insurance option provided my super? If yes, can I opt for it now once I opted out for it a few years ago?
As the OP is in the penalty box for an account violation, comments on this thread are now closed.
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The entire medical industry have been corrupted by this industry. They seem to think they are working with/for the insurance company rather than for the best interests of the patient. Specialists, doctors, psychologists who work for your industry are not working in the bests interests of the patient and therefore are breaking their oath - first do no harm. Worse still it seems to have blurred the lines of the entire public system and many GPs. The best place for someone who is in terrible pain or in crisis or permanently disabled is NOT at work. The Workcover model has no place in TPD claims management.
If someone meets the definition and has paid their premiums they ARE entitled to their payout regardless of the amount insured. You have no right to treat a claim for a million dollars differently to a claim for $80k. The definition is the same. By doing this you are inviting your members to be ripped off by legal firms just to get what they are entitled to. And you sell them this to make them feel safe!!!!
I can't wait for the second royal commission to dig deeper into you people and I look forward to making a detailed submission based on a career in Superannuation and Insurance of over 20 years.