The Challenge
A 44-year-old male Chef insured with Hostplus was diagnosed with degenerative disc disease, a condition that progressively deteriorates the spinal discs, leading to chronic pain, stiffness, and reduced mobility. These symptoms made it increasingly difficult for him to perform his duties, such as standing for long hours, lifting heavy pots and pans, and moving quickly in a busy kitchen. As the condition worsened, it became clear that he could no longer continue his career as a chef. Recognizing the need to secure a Total and Permanent Disability (TPD) claim to maintain his financial stability, he turned to Thankyou Super for expert assistance.
The Solution
Thankyou Super acted swiftly, collaborating with the client’s orthopaedic specialist and pain management team to gather comprehensive medical reports that documented the severity of his degenerative disc disease and its impact on his ability to work. These documents were crucial in building a strong case for the TPD claim.
Step 1: Detailed Condition Assessment
Thankyou Super conducted a thorough consultation with the client and his medical team to fully understand how degenerative disc disease affected his ability to perform his duties as a Chef. This assessment was essential 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: Submission and Continuous Advocacy
The claim was submitted to Hostplus, accompanied by a comprehensive cover letter that emphasized the permanent and disabling nature of degenerative disc disease. 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 $226,184 payout. This financial support provided the client with the resources needed to manage his health and transition to a lifestyle that accommodated his condition.
Ask Us a Question
If you are dealing with a condition like degenerative disc disease 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.
