Real Life Story – Tim – TPD

REAL LIFE STORY

TPD – Spinal Injury: $1.05 Million

Who is Tim?

Tim is a 46 year old project manager who has been working in the mining industry for 17 years.

What happened to Tim?

Tim fell on concrete injuring his lumbar spine. Not realising the extent of his injury Tim continued working for 6 months, when he ceased work and underwent a discectomy.

Tim had a TAL Superlink TPD policy (‘Any’ occupation element within super, ‘Own’ occupation element outside) which he had obtained several years earlier. When he was unsure if he would be able to return to work, Tim phoned his financial adviser who helped him to make a TPD claim on his insurance. A medical assessment confirmed that Tim was unable to meet the standard to return to his job.

Where is Tim now?

The claims stories are provided for illustrative purposes only and while they are loosely based on real life claims stories of TAL customers, significant details have been changed to protect the identity of the claimant. The quotes are entirely fictional and have been included to assist to illustrate how the payment of a claim may affect the life of the claimant or their family. This document provides general information only and does not take into account a potential policy owner’s objectives, financial situation or needs. Before making a decision based on the contents of this document, a potential policy owner should consider the appropriateness of this information having regard to their objectives, financial situation, and needs, speak with their financial adviser and read the Accelerated Protection Product Disclosure Statement. All claims submitted to TAL are assessed against the relevant policy terms and conditions. Please consult the appropriate Product Disclosure Statement and Policy Document for the full explanation of our claims processes and conditions. TAL Life Limited ABN 70 050 109 450 AFSL 237 848.