A 44 year old client in New South Wales stopped working after a neck injury with bulging discs and nerve compression, as well as depression. We found $142,000 in total and permanent disability cover held with Australian Retirement Trust. Many people do not realise their super includes insurance, and cover can sit in an old account, so it is worth checking.
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.