You web browser may not be properly supported. To use this site and all its features we recommend using the latest versions of Chrome, Safari or Firefox

Actors, TV/Radio announcers considered working hazardous jobs when claiming Total and Permanent Disability (TPD) cover.

Depending on the terms of your insurance policy, you may be ‘excluded’ from claiming an insurance benefit based on what your occupation is. Many people are unaware that they may be working in an occupation that does not give them full insurance cover at the time they make the claim.

Most people can get a TPD benefit if they satisfy the ‘standard’ TPD test. You are able to make a claim under standard TPD cover if you are unlikely ever to return to work.

How can you be restricted to claim for compensation?

One insurer in particular, AIA Australia, is known for refusing standard TPD cover for people they say are working in ‘Hazardous Occupations’. MLC sometimes does something similar with ‘special risk’ occupations. OnePath also apply restrictions in respect of some insured workers.

This may be a cause for concern for you if your life insurance is held through superannuation funds including BT Life and MLC.

What are the effects when certain workers are excluded from TPD cover?

The effect of insurers excluding workers in certain jobs from standard TPD cover, means that claimants are required to meet the much more difficult requirements of the ‘Activities of Daily Living’ test, which requires that the claimant is “continuously and totally unable to perform at least two of the following activities of daily living as a certified by a qualified medical practitioner; bathing, dressing, eating, toileting and transferring”.

David Schmolke’s claim was refused for working in a hazardous occupation

David Schmolke is one such claimant who thought he was covered for insurance, only to be advised by AIA Australia that he was not, because he was working in a ‘Hazardous Occupation’ as a construction worker. AIA Australia refused to pay Mr Schmolke’s claim.

What do Insurance companies consider hazardous jobs?

So, what is a hazardous job, according to your insurance company? You might be surprised. Some insurers treat Actors, TV/Radio Announcers, Massage Therapists, Models, Musicians, Property Developers, Tennis Coaches, Car Park Attendants, Dancers, Disc Jockeys, Fitness Instructors or Freelance Journalists as if they were working in hazardous jobs.

An interstate truck driver may not be able to claim under a standard TPD definition, but an interstate coach driver can. If you think that sounds ridiculous, we agree.

If your claim has been rejected because you were working in a ‘Hazardous Occupation’ you may be able to challenge the decision.

To speak with a lawyer to review your file on an obligation-free basis, please contact us here.

The contents of this blog post are considered accurate as at the date of publication. However the applicable laws may be subject to change, thereby affecting the accuracy of the article. The information contained in this blog post is of a general nature only and is not specific to anyone’s personal circumstances. Please seek legal advice before acting on any of the information contained in this post.

Thank you for your feedback.

Related blog posts

Superannuation and Insurance
How prepared are you for a financial emergency?

Whilst not all financial surprises are bad – if you won lotto tonight, that’d definitely be classified as a positive! But how prepared are you if a not so pleasant financial surprise happened? The pandemic has taught us that there are times when we simply don’t know what’s going to happen next. But there are steps you can take to try to protect yourself and your family if a sudden financial emergency was to occur. This first one is also probably the most obvious. To prepare for a financial emergency, such as being laid off your job, having your hours at work cut, or if you’re suddenly struck down by an injury or illness – you should have an emergency savings fund at the ready...

Debt stress from a financial emergency
Superannuation and Insurance
Using super to buy a first home

Australia is currently seeing a boom in our property market. The combination of record low interest rates and increased demand has seen house prices dramatically increase in recent months. This has led to a push by some to let Australians dip into their superannuation savings to help them enter the property market sooner (this is different to the current First Home Super Saver Scheme, which allows first home buyers to save money for a first home inside their super fund). At first, the idea seems like a good one. It gives first home buyers the option to use their hard-earned savings to get onto the real estate market earlier than if they had to save for a deposit from scratch. It allows...

House auction sold sign
Superannuation and Insurance
Super stapling - Don’t be left without TPD insurance in your time of need

New super accounts will no longer be created every time a worker changes jobs meaning they will have one single default account that follows them, from 1 July 2021. The “stapling” reform was announced by the Federal Government in 2020, to avoid workers ending up with multiple super funds, paying multiple insurance premiums and account fees, causing their superannuation balance to shrink unnecessarily before retirement. While keeping your balance as high as possible is a positive, the move may come at a cost to some people finding themselves without insurance if they fall ill or become injured after moving to work in a more dangerous industry where their insurance policy does not...

Young mine worker contemplating his superannuation

We're here to help

Start your online claim check now. Or, if you have a question, get in touch with our team.