Risk Insurance Advisor Steve O’Connor helps people ensure they have the right insurance cover when they need it most.
James, a 43-year-old project manager in Tauranga, had always been fit and energetic.
But late last year, he began experiencing ongoing fatigue, dizziness, and shortness of breath.
After multiple tests, he was diagnosed with a serious autoimmune condition affecting his lungs and energy levels.
His specialist advised immediate treatment, including immunosuppressant medication and extended rest.
James could no longer manage the physical demands and long hours of his job.
He was signed off work indefinitely.
Fortunately, James had Mortgage and Income Protection Insurance in place.
After the four-week waiting period, he submitted a claim with supporting documents from his GP and specialist.
His claim was accepted because:
- He was medically certified as unable to perform his regular work.
- The illness developed after his policy started and wasn’t pre-existing.
- He was under specialist care and following a treatment plan.
- His occupation and income were correctly declared at application.
James received 62.5 per cent of his income for eight months until he was able to return to work.
This helped cover his mortgage, groceries, and other essentials.
This financial support allowed him to focus fully on his health and recovery without the pressure of returning to work too soon.
Key takeaway: Disability cover doesn’t just protect against accidents – it supports you when illness strikes and your ability to earn an income is suddenly taken away.
No one can predict when you will suffer and accident or illness. Let’s talk…
- Steve O’Connor, Insurance Advisor, Insurance Market, 021 862 330, steve.oconnor@insurance-market.co.nz.
