The Challenge
A 48-year-old male Restaurant Manager insured with Hostplus was diagnosed with chronic irritable bowel syndrome (IBS), a condition that led to severe, frequent gastrointestinal symptoms, including abdominal pain, bloating, and unpredictable bowel movements. These symptoms made it extremely challenging for him to handle the rigorous demands of running a busy restaurant, including long hours, high stress, and constant physical activity. As his condition worsened, it became evident that he could no longer continue in his role. Recognizing the need to secure a Total and Permanent Disability (TPD) claim to maintain his financial security, he sought the assistance of Thankyou Super.
The Solution
Thankyou Super acted swiftly, working closely with the client’s gastroenterologist and general practitioner to gather comprehensive medical reports that documented the severity of his IBS and its impact on his ability to work. These documents were essential in building a compelling case for the TPD claim.
Step 1: Assessing the Impact on Work
Thankyou Super conducted a thorough consultation with the client and his medical team to fully understand how chronic IBS affected his ability to perform his duties as a Restaurant Manager. This assessment was crucial in demonstrating that the condition had permanently impaired his capacity to work.
Step 2: Building a Comprehensive Claim
With the necessary medical documentation gathered, Thankyou Super compiled a robust claim package. This included detailed medical reports, a personal statement from the client, and feedback from his employer confirming his inability to continue in his role due to his condition.
Step 3: Submitting and Advocating
The claim was submitted to Hostplus, accompanied by a comprehensive cover letter that emphasized the permanent and disabling nature of chronic IBS. Thankyou Super maintained regular communication with the insurer to ensure the claim was processed efficiently and fairly.
The Results
The TPD claim was approved, resulting in a $57,752 payout. This financial support provided the client with the resources needed to focus on managing his health and transitioning to a lifestyle that accommodated his condition.
Ask Us a Question
If you are dealing with a condition like chronic irritable bowel syndrome (IBS) that impacts your ability to work, Thankyou Super can assist you in securing a TPD claim. Contact us today to ensure you receive the benefits you deserve.
