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Chris The Lawyer
Chris The Lawyer, Lawyer
Category: New Zealand Law
Satisfied Customers: 22404
Experience:  37 years qualified as a lawyer; LLB, MMgt and FAMINZ.
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Employer insurance offers Loos of earnings/total disability

Customer Question

Employer insurance offers Loos of earnings/total disability on group insurance. Employee takes voluntary retrenchment coz of a health issue not revealed to employer. employee makes a claim to insurance based on that health issue not a condition to group insurance 3 days after retrenchment as covered for -+45 post employment. Insurance refuses to pay.
Submitted: 7 months ago.
Category: New Zealand Law
Expert:  Chris The Lawyer replied 7 months ago.
When you get any insurance policy you must make full disclosure of all potential issues. It is a well established insurance law principle that if you omit a potential problem, then the insurance company can decline cover. If you think the insurance company has made a mistake or not explained this properly you can ask the Insurance Ombudsman to review the decision, which is a free service. If that is of interest then you can lodge a complaint here http://www.iombudsman.org.nz/

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