Australia Law

Have Australian Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Australia Law
This answer was rated:

This is regarding a terminal condition insurance policy.

Hi this is regarding a...
Hi this is regarding a terminal condition insurance policy
JA: What state are you in? It matters because laws vary by location.
Customer: QLD
JA: Has anything been filed or reported?
Customer: not as yet, but was going to do so today.
JA: Anything else you want the lawyer to know before I connect you?
Customer: oh, yes, sorry, with the insurance agency, yes. but not with the state ombudsman as yet
Show More
Show Less
Ask Your Own Australia Law Question
Answered in 5 minutes by:
8/21/2017
Leon
Leon, Solicitor
Category: Australia Law
Satisfied Customers: 45,291
Experience: BEc Dip Ed, Dip Law (SAB) MTax (UNSW)
Verified

Hi, I am Leon, a NSW Solicitor. I will be assisting you with your question. If you choose a telephone call, you will be charged an additional fee.

Ask Your Own Australia Law Question

Good Afternoon

What is the issue? Are you being refused TPD payments? Is it under a superannuation fund?

Leon
Leon, Solicitor
Category: Australia Law
Satisfied Customers: 45,291
Experience: BEc Dip Ed, Dip Law (SAB) MTax (UNSW)
Verified
Leon and 87 other Australia Law Specialists are ready to help you
Ask your own question now
Customer reply replied 3 months ago
Under ANZ/Onepath. Refused on grounds of pre-exiting condition.
Background: ANZ home loan 3 years ago; encouraged to transfer superannuation over to ANZ; no mention by bank manager that a pre-existing condition - or part thereof, would exclude me from gaining TPD payment. Bank manager found super accounts and combined benefit to ANZ.
Yes, I did have breast cancer, but was working and not having any limiting treatment and was told by oncologists that mine was now seen as a 'chronic condition' and therefore would not give a prognosis. Metatases increased approximately 6 months ago requiring chemotherapy which failed dismally.
Claim submitted approximately April. Refused by trustees mid June BUT as yet, despite about ten phone calls, no letter of refusal with a right to contend the refusal. Trustees are aware of the situation, and every time I phone, state that 'they'll get onto that' but it NEVER happens.Would like to contact ombudsman regarding this, but that is a further 90 day wait. As I stated on the phone to the trustee :
"I'm getting deader not better."Furthermore, I asked the trustees to provide me with a copy of my signed approval of the terms and conditions of the superannuation rollover, which would state that I had full knowledge of the consequences of this decision.
Here is a the email I sent dated 20th June 2017: Dear Estella,The ANZ Smart-Choice Product Disclosure Statement provided by you does not include my signature indicating my knowledge of the terms and conditions. As asked for on the phone, would you please forward me a copy of the signed copy by myself.As stated on our previous phone call, the superannuation product was 'sold' to me in the bank managers office. There was no mention by the ANZ branch manager at Buderim, Queensland, that if I were to have a medical condition which may in part, be pre-existing, that this would exclude me from obtaining Total Death and Disability Insurance. As stated earlier in our phone discussion, I would not have proceeded with the transfer of my superannuation funds to Onepath, if I had that knowledge; to do that with full knowledge would have been ludicrous. Therefore, as trustees, I urge you to send me the copy of the document I have requested and fulfil your obligation of ethically undertaking your role as trustee.Yours sincerely,Paula Briese
ph: 0448 221 968I would be happy for your advice.
Phone call session started

Give me a few minutes will call you.

Ask Your Own Australia Law Question
Ask Leon Your Own Question
Leon
Leon
Leon, Solicitor
Category: Australia Law
Satisfied Customers: 45,291
45,291 Satisfied Customers
Experience: BEc Dip Ed, Dip Law (SAB) MTax (UNSW)

Leon is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Deborah Awyzio

Deborah Awyzio

Solicitor

863 satisfied customers

Bachelor of Laws (QUT), BIT (QUT), Family Law Accredited Specialist, over 12 years experience

Sean

Sean

Experienced lawyer

855 satisfied customers

Law degree with 1st class honours from Australian National University.

James G.

James G.

Lawyer

17 satisfied customers

Australian Legal Practitioner

Darren Kruse

Darren Kruse

Solicitor

16 satisfied customers

Practising in in Personal Injury, Workcover, Civil Disputes, Family, Wills and Estates and Criminal law.

Daniel

Daniel

Solicitor

5,828 satisfied customers

Bachelor of Laws (dist) Graduate Diploma in Legal Practise. Admitted NSW Supreme Court / High Court

James D. Ford

James D. Ford

Solicitor

1,600 satisfied customers

Consulting Principal at Nexus Law Group

John Melis

John Melis

934 satisfied customers

Principal Lawyer at Legal AU Pty Ltd

< Previous | Next >

Related Australia Law Questions
I have a problem with Equifax ( ex Veda) the credit record
Hi there, I have a problem with Equifax ( ex Veda) the credit record management firm. They have double charged me for a service, agreed to pay the money back, say they did, I have not received it and … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I am with commander I paid my account on the 30/11/017 sent
I am with commander I paid my account on the 30/11/017 sent tham a bank receipt and spoke to someone on the phone sent receipt to them Today I come to work and our service has been disconnected after … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
We live in a strata title retirement village. Our managers
We live in a strata title retirement village. Our managers appear to be trying to change the strata title to a loan/lease arrangement, without our approval. … read more
Leon
Leon
Solicitor
45,291 satisfied customers
I have been looking after kids for a woman who has said she
I have been looking after kids for a woman who has said she pays cash of eight hundred dollars a month if l work or not. Her children have told her that l wasn't coming back bit l did not say that. sh… read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I was bashed what do I need to do. I've had running eyes
I've had running eyes ,nose loss of stability in walking, memory loss … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
Im having a problem with a car insurance company. Would i be
Im having a problem with a car insurance company. Would i be able to have a talk to someone in regards ***** *****? … read more
Leon
Leon
Solicitor
45,291 satisfied customers
I have lived in a self standing Strata house in WA for the
I have lived in a self standing Strata house in WA for the past 21 years, and my neighbour is trying to organise the two properties to be converted to individual titles which is not a problem. To do t… read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I was present when a woman was sexually abused. S A but this
I was present when a young woman was sexually abused … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
My sister and I entered into a house loan together. For
my sister and I entered into a house loan together. For unnamed circumstances we could not get along and live together. We made an agreement letter that she would pay an undisclosed … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
27,754 satisfied customers
I have to talk to an agent about drug conviction and student
I have to talk to an agent about drug conviction and student visa application … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
Season's to you. I have been separated since 04/01/17. I am
Season's Greetings to you. I have been separated since 04/01/17. I am on an Age Pension & have 100% Custody of our 3 children aged 16, 14 & 12. … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
We have a dispute over water usage with the watwr corp.
We have a dispute over water usage with the watwr corp … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I'm looking into getting a will done up for my mum. She has
Hi, I'm looking into getting a will done up for my mum. She has recently been diagnosed with cancer and she has been separated from my father for about 4-5 years. He walked out on her. They have two h… read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I was bashed what do I need to do. I've had running eyes
I've had running eyes ,nose loss of stability in walking, memory loss … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I just want to ask one thing. If i am working for company on
Hi. I just want to ask one thing. If i am working for company on abn and they paying for done job, not per hour it still against me that sometimes i am doing my job more than 20hours per week? Becouse… read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
My husband had an insurance policy with CGU. He died in a
My husband had an insurance policy with CGU. He died in a farm accident. I am wondering why to receive any compensation we need to go through the court system? … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers
I'm in bankruptcy, that I never ask, I don't know how can I
I'm in bankruptcy, that I never ask, I don't know how can I go out of this, in the beginning, I spoke with the insolv company for help, and they offer two choices, Pay or Bankruptcy , I toked the choice to pay and that I did, but they send me to bankruptcy any way !! I will apreciate any help Regards Rosa … read more
Leon
Leon
Solicitor
45,291 satisfied customers
I am currently renting a property and had a routine
I am currently renting a property and had a routine inspection … read more
John Melis
John Melis
Diploma In Law
934 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x