Everyone covered by insurance appreciates the peace of mind it brings. Financial obligations are ongoing and it’s no small achievement to maintain yourself and your loved ones during trying times. Sickness and accident insurance is ideal for workers who are depended upon to cover mortgage repayments, pay education fees, or simply put food on the table. However, there are occasions where sickness and accident insurance claims are rejected by insurers, leading to disputes that can end in financial hardship.
Taylor & Scott Compensation Lawyers assist consumers who believe they have been unfairly treated by insurance companies. Our team of legal experts are specialists in all areas of compensation law, including sickness and accident disputes. We will act as your legal representation, from free case assessment through to successful claim outcomes, and leave no avenue unexplored to get you the payout you deserve.
What does sickness and accident insurance cover?
Sickness and accident insurance provides cover for workers who need to ensure life goes on as smoothly as possible after an illness or accident. The money can be used for wide-ranging purposes. With sickness and accident insurance you are relieved of unwanted financial burden and don’t have to unnecessarily dip into savings. Most insurance policies include cover for severe illnesses and injuries, permanent disability, and even death caused by an accident.
Sickness and accident insurance is particularly valuable for contractors, sole-traders and small-business owners who don’t qualify for workers compensation insurance. Sickness and accident insurance covers up to 85% of weekly earnings for people unable to work due to physical injury or an illness.
What is generally not covered by personal accident and sickness insurance?
As with all insurance, it’s important to provide a full and accurate disclosure of your personal situation when taking out a policy. Incorrect or misleading information can lead to reduced payouts or the claim being rejected in its entirety. In addition, most insurers don’t provide cover for accidents or sickness resulting from the following situations.
- Pre-existing conditions
- Pregnancy and childbirth
- Injuries sustained playing professional sports
- Injuries sustained while under the influence of alcohol or drugs
- Injuries caused by intentional, criminal or deliberate actions
- Acts of war or terrorism
Who can benefit from personal accident and sickness cover?
As mentioned, personal accident and sickness cover is an important consideration for a wide range of workers. The cover is also naturally helpful to their family and dependents who are reliant on income to accommodate lifestyle requirements. In addition, accident and sickness cover allows partners, suppliers and other business connections to continue as normal during your absence. Every worker relies on relationships with others, with spinoffs from insurance cover assisting everyone involved. People who benefit from holding sickness and accident cover include:
- Sole traders
- Contract workers
- Part time workers
- Small business owners
- Those who aren’t eligible for income protection insurance
What do you do if your insurance claim has been rejected?
Although safeguards are in place for policy holders, it’s not uncommon for an insurance claim to be rejected, and this is where Taylor & Scott can help. We are mediation and dispute resolution experts who can negotiate on your behalf and even provide legal counsel in court if required. Taylor & Scott Lawyers will represent you to reach a settlement agreement with opposing parties, legal teams and insurance companies. Our dispute resolution specialists are held in high esteem, with Taylor & Scott winning cases for clients since 1905.
Taylor & Scott, located in the heart of Sydney’s legal and financial district, serve the people of NSW with a determination to succeed. We provide a free case assessment and if we consider your case has a good chance of winning outcomes, we will proceed immediately to ensure a timely resolution. We even provide a ‘no-win, no-fee’ service in many cases, allowing you to continue as normal without additional financial strain. Our representation is many-sided, with a service that includes:
- Assistance with all documentation and paperwork
- Medical, government and other searches related to your case
- Compilation of a comprehensive and well-presented compensation claim
- Collection of witness statements and other supporting information
- Negotiation with insurers and opposing legal teams
- Representation in court if required
- Remaining in touch during every stage of your claims process
With Taylor & Scott Lawyers on your team, you have the leverage required to make people seriously consider your claim, resulting in a far greater chance of successful outcomes for the benefit of you and your dependents.
At Taylor & Scott, ‘We Care For You’.