Disability Insurance: Getting It Right Before You Need It

Total and Permanent Disability (TPD) insurance provides a safety net for medical professionals facing serious injury or illness — but navigating a claim isn't always straightforward. In this episode, Matt Andrews discusses the current TPD claims landscape, key trends insurers are seeing, and what claimants need to know before lodging a claim.  Matt Andrews is a Partner and Head of the Superannuation and Insurance practice at Zaparas Lawyers. He is joined by Yanish Geerdharry, Head of Risk Advisory Services at the Bongiorno Group.  They discuss the differences between default superannuation cover and tailored retail policies, typical waiting periods before a claim can be made, time limits for disputing a declined claim, and the implications of non-disclosure and misrepresentation at the point of application — including how pre-existing conditions are treated differently across policy types.  Zaparas Lawyers  https://zaparaslaw.com.au/  *The Money Doctors is proudly brought to you by leading financial services organisation the Bongiorno Group, the preferred tax and accounting partner for the Australian Medical Association Victoria and the Victorian & Tasmanian Regional Alliance Partner of the Australian Orthopaedic Association.*  *For more information, please call 03 9863 3111 or visit* https://bongiorno.com.au/  *This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product Disclosure Statement before deciding to acquire the product.*  See omnystudio.com/listener for privacy information.