- October 27, 2023
- Posted by: legaleseblogger
- Category: Related News
Try Free Now: Legalese tool without registration
[Heading: Seeking Advice on Claiming Death Cover in the Context of a Serious Illness]
Hi everyone, I hope this subreddit is the appropriate place to seek guidance for my situation.
[Expanded Content]
For nearly three years now, I have been battling an exceptionally rare form of cancer that unfortunately has a very low chance of being cured. Around a year ago, my oncologists informed me that they have been exploring various medications that could potentially “control” the progression of the cancer. However, despite their efforts, they have not yet been successful in finding a suitable drug.
[How AI Legalese Decoder Can Help]
Recently, I discovered that I actually have a death cover in place. This led me to wonder if I can make a claim whenever I choose to do so. Specifically, I am contemplating whether I can wait until my upcoming birthday and then request my doctors to provide the necessary medical documentation.
[Exploration of Timing and Potential Financial Benefit]
As I am just a couple of months away from my birthday, I am curious if postponing the claim until then would result in a significantly larger payout compared to claiming it at my current age.
[Importance of Community Assistance]
I am genuinely grateful for any assistance or insights you can provide regarding my situation. Thank you in advance for your future support and advice.
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AI Legalese Decoder: Breaking Down Complex Legal Language
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Hi OP, IÔÇÖm so sorry.
Contact the Cancer Council in your state or territory. They have an army of lawyers and financial advisors that are experts in super, insurance, employment law etc and volunteer their time for free. ItÔÇÖs an incredible service that I wish more people knew about.
It depends on your cover – most require two Drs to certify you are terminal with a prognosis of less than two years.
And it gets paid to your super then you claim any early payout of super.
You may wish to get professional advice (and it will cost a bit) – should make the process alot less stressful.
IÔÇÖm so sorry.
Not sure how old you are But you can generally access your super balance and any insurances you are due.
Take the cash while you can and try to enjoy some of it.
Hey there, sorry to hear about this. Your post prompts a couple of initial questions:
* Is the life insurance you have with your superannuation fund?
* Has your specialist told you that you are terminally ill? eg likely to pass away within the next two years?
If the answer is yes to both, then it’s likely that you’re able to claim your insurance immediately. A surprisingly high percentage of life insurance claims are actually paid out to people who are still alive.
If the insurance is within your super then you will need to also meet the requirements of the superannuation fund in order to claim. This shouldn’t be too difficult. Most Drs are willing to sign off on an insurance/super claim for their patients.
Any options for increasing your insurance will depend on the features of the actual insurance/super product you have. You could always give them a call. Many superannuation funds have phone based financial advice that can help you explore your options.
Some superannuation funds cancel your insurance if they are not getting any contributions. might want to look into that too.
If you have a spouse then you may wish to explore options for leaving the insurance payout in super, so that your surviving spouse can establish a death benefit pension if desired. Very tax effective.
You should probably seek out some specialist financial advice. As the other commenter noted, the cancer council would be a great first step. Also, I’ve written a guide to financial planning for the terminally ill. Happy to send you a copy for free if you would like.
Paging u/Jackimatic if he’s around and able to answer. Specialises in this area.
Sorry about your situation. It really depends on your policy. You will need to read the PDS.
If youÔÇÖre not already linked with the Cancer Navigators at Rare Cancers Australia then give them a buzz. IÔÇÖm a Cancer Nav with another org and we help with navigating the hospital system as well as all of the other nuances that come along with cancer – such as helping you to access super and insurance 
They wonÔÇÖt pay out your death cover because youÔÇÖre still alive.
You can access super on the grounds of Compassionate Grounds.
No idea, but I hope you get a nice payout and enjoy spending it!
I’m sorry about your situstion.
Most policies will payout the death cover if your doctors say you are terminal within 12 months.
If you obtained the policy through a broker I would contact them for further information and direction.
I have no advise on this topic, but just wanted to say damn you’re a positive ass person given the situation you’re in, really puts things into perspective, truly god bless & best of luck
God, Im sorry to hear this
As with the others, Id get some legal advice. Post the same question in AusLaw to find someone
If I were a solicitor Id do it for free for you so maybe you will get some better help at AusLaw group.
Get that money and enjoy every second you have left good luck.