A 43 year old waterproofer in New South Wales stopped working after suffering a neck and shoulder injury. We found he held $128,000 in total and permanent disability cover with CBUS Super, insurance that had been sitting in his account without his knowledge. Many workers in physical trades hold cover like this through their superannuation without realising it, so it is worth checking any old or current accounts for insurance that may already be in place.
Every policy is different. This describes cover found for one client and does not mean you hold the same cover or that a claim will be paid. General information only, not legal advice.