Total and permanent disabilities (TPD) can cause various problems for employees and their families, particularly when it comes to finances. Even short periods away from the workplace can result in individuals struggling to pay bills, but the issue is exacerbated for people with a TPD, as they are unlikely to ever work again. However, there are permanent disability benefits available
Suffering a total and permanent disability (TPD) can have a significant effect on your finances, particularly if the affected individual is the main money earner in the household and they are unable to work again. While many people understand that serious accidents and injuries can lead to TPDs, were you aware that debilitating mental health conditions are also often included in some
Superannuation was set up to provide for all people living in Australia so that once they retire they will have access to a pool of funds. This money is protected from bankruptcy and creditor claims – it’s the ultimate safeguard to ensure you’ll never be left without. But what if you’re planning on relocating overseas for several years, or permanently?
In Queensland, bouncers and security guards have less power than many think. While they’re in place to protect the ‘house’ rules of a venue, such as a pub or a shopping centre, they are restricted in the methods they can use to enforce these rules. This includes not being allowed to use ‘excessive force’ or to hold you against your
People who have partial or total permanent disabilities that prevent them from working are often eligible for benefits under their superannuation policy. The disability could be the result of a number of issues, including an accident, ill health or other incapacity. However, some individuals may be confused over how their disability is classified or whether or not they are entitled
Income protection can be a crucial financial safety net for people who are injured or ill and unable to work. This type of coverage is commonly included as part of your superannuation fund entitlements, although you can also purchase standalone policies. But why do some people have multiple income protection policies? Is this allowed? And can you make a claim on
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