What is a date of disablement? Dates are of critical importance in insurance contracts and particularly total and permanent and disablement (TPD) policies. In such policies the key defined date is referred to a Date of Disablement. This is the date that you became entitled to the policy benefit. While there are various definitions, it is usually the latter of two (2)
Waterways in Australia can be extremely dangerous. The Royal Lifesaving Society (RLS) recorded 280 drowning deaths in 2015-16, nearly one-quarter of which occurred on beaches. Lifeguards provide a valuable service in Queensland by protecting swimmers from hazards and saving lives when people become distressed in the water. But what happens if you believe a lifeguard or the organisation they represent
The majority of Australian’s have Superannuation and with that Superannuation comes Insurance. Provided that you have not opted out of paying for Insurance you will be covered for Total and Permanent Disablement. Total and Permanent Disablement Insurance is meant to protect people if they become too sick or injured to work again. For an in-depth look at what TPD actually means
Pain is a natural bodily response to damaging stimuli, although most people stop feeling distressed once they recover from an illness or injury. However, pain is described as chronic or persistent when it lasts beyond a typical healing time of three months. Around one in five people in the country suffers from chronic pain, according to the Australian Pain Management
A heartfelt apology is often one of the first steps to settling an argument with someone. Saying you’re sorry to a person that you’ve wronged opens up the path to forgiveness and can provide closure. But conventional wisdom in legal matters is that defendants can do themselves more harm than good when they apologise to a plaintiff. An apology is
When someone passes away with funds still remaining in their superannuation account, what happens next? While in most cases, the fund’s contents are paid to a designated beneficiary, potentially accompanied by an insurance payment, there are complex cases that can arise in unique circumstances. Sometimes, these result in drawn-out dispute processes, which can be very emotionally taxing for families already
In the spirit of reconciliation GMP Law acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea, and community. We pay our respects to their Elders past, present, and emerging, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.
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