Pre-2021 Insurance Policy Features Worth Keeping

Pre-2021 insurance policies commonly contain discontinued features including agreed value income protection eliminated from new policies after 1 April 2020, own occupation TPD definitions now substantially restricted, unrestricted mental health coverage replaced by benefit period limitations or complete exclusions, and simplified claiming criteria requiring substantially less testing and nuanced reporting than current contract provisions. Christopher Hall, AFSL 526688 authorised representative with over 20 years experience reviewing 500+ Australian policies, explains these discontinued provisions create situations where apparently expensive premiums purchase irreplaceable protection impossible to replicate through current alternatives, though feature value depends entirely on individual circumstances including occupation type, age, mental health susceptibility, and current family situations making case-by-case professional assessment essential rather than universal preservation recommendations.

Agreed value income protection discontinued 1 April 2020¹ proves particularly valuable for professionals over 45 years old facing restructuring or redundancy discovering commanding similar remuneration structures achieved in early-to-mid 40s proves remarkably difficult across numerous industries. Own occupation TPD definitions prove imperative for blue collar workers, with old income protection contracts providing claiming processes substantially easier than new definitions requiring additional tests, reviews, and nuanced reporting creating assessment complexity. Unrestricted mental health coverage eliminated from most policies demonstrates widest variation between old and new contracts, though regulatory changes proved necessary preventing all Australians becoming uninsurable under unsustainable previous claiming patterns.

This article explains specific features discontinued after 2021, why insurers eliminated these provisions, occupation-specific feature value assessment, claiming process differences between old and new contracts, and circumstances determining whether preservation versus switching proves appropriate given individual family situations.

Why Is Agreed Value Income Protection Most Valuable for Professionals Over 45?

Agreed value income protection discontinued from new policies 1 April 2020¹ provides benefit amount certainty determined at policy establishment regardless of subsequent income changes, proving particularly valuable for professionals over 45 years old facing career disruptions eliminating ability to command remuneration levels achieved during peak earning years.

Agreed value benefit calculations occur at policy establishment based on income documentation provided during underwriting, creating contractual obligation for insurers to pay predetermined benefit amounts if disability prevents work regardless of current earning capacity at claim time. This contrasts fundamentally with indemnity income protection requiring income verification at claim time, calculating benefits based on actual earnings during period immediately preceding disability rather than historical peak income levels.

Christopher Hall explains agreed value proves most valuable for demographics experiencing income reduction between policy establishment and claiming circumstances. Professionals over 45 commonly face restructuring, redundancy, industry disruption, or career transitions forcing acceptance of lower remuneration than commanded during early-to-mid 40s peak earning periods. This pattern repeats remarkably consistently across diverse industries, creating scenarios where agreed value policies established during high-income periods provide substantially superior benefits compared to indemnity alternatives calculating payments based on reduced current earnings.

Career transitions affecting income-earning capacity create additional agreed value advantage scenarios. Professionals shifting from corporate employment to consulting, moving from full-time to part-time arrangements, accepting lower-paid roles matching lifestyle preferences, or experiencing industry changes reducing compensation structures all benefit from agreed value provisions maintaining benefit calculations based on historical rather than current income levels.

However, families holding agreed value policies whilst experiencing income difficulties face particular complexity. Those unable to command previous income levels commonly experience substantial budget pressure, yet many old agreed value contracts prohibit variations or adjustments to payment structures originally selected for tax advantages during higher-income periods. Families become locked into premium payment arrangements potentially unsuitable for current financial circumstances, creating situations where policies providing superior benefit certainty simultaneously strain reduced household budgets.

The case-by-case assessment complexity makes universal preservation recommendations impossible. Some families benefit substantially from agreed value protection justifying premium premiums despite affordability challenges, whilst others holding policies during sustained income reduction periods may find indemnity alternatives provide adequate protection at substantially lower costs better matching current financial capacity.

Professional assessment proves essential determining whether specific family circumstances—income trajectory, career stability, age, claiming probability—justify agreed value premium premiums or whether current indemnity alternatives provide sufficient protection at reduced costs addressing budget pressures Income Protection vs Life Insurance: Understanding the Difference.

Why Are Own Occupation TPD Definitions Essential for Specialized Physical Professions?

Own occupation TPD definitions prove imperative for blue collar workers and specialized physical professions where hand injuries, mobility limitations, or specific physical impairments eliminate career continuation capacity despite potentially enabling alternative employment options unsuited to specialized skill sets and income expectations.

Own occupation definitions pay TPD benefits when permanent disability prevents performing specific occupation duties, regardless of whether policyholders could potentially perform other work suited to education, training, or experience. This contrasts with any occupation definitions requiring inability to perform any work for which policyholders reasonably qualify, creating substantially higher claiming thresholds particularly problematic for physical occupations requiring specific capabilities.

Christopher Hall identifies high-risk occupations including high-rise window cleaning as groups most requiring own occupation protection but simultaneously facing greatest difficulty obtaining coverage. Specialized skilled trades including plumbers and electricians require own occupation definitions because hand injuries preventing tool manipulation eliminate core occupational capacity despite education and experience potentially enabling management or supervisory transitions.

Surgeons represent profession requiring own occupation definitions most acutely due to limited lateral career mobility following physical impairments. Hand injuries preventing surgical instrument manipulation effectively end surgical careers, as patients understandably prefer surgeons possessing full hand function rather than accommodating single-hand procedures. Whilst teaching and hospital management provide alternative career pathways, surgeons face substantially lower probability of commanding prime incomes achieved during active surgical practice compared to plumbers and electricians who can work systematically to rebuild income through management transitions following accidents.

Office workers commonly find any occupation definitions provide adequate protection because disabilities preventing office-based professional work typically prevent most employment requiring similar education, training, and experience qualifications. A financial analyst unable to perform analytical work due to cognitive impairment struggles with most professional roles requiring comparable qualifications, making any occupation assessment relatively straightforward compared to physical occupation scenarios where specific impairments eliminate hands-on work whilst leaving alternative employment capacity intact.

The occupation-specific assessment complexity creates premium cost implications reaching 38% difference between own and any occupation definitions². For physical professions requiring specialized capabilities, this premium differential purchases essential protection unavailable through any occupation alternatives. For office-based professions, the 38% savings creates meaningful cost reduction without sacrificing practical claiming capacity TPD Insurance Explained: Total and Permanent Disability Cover.

Old income protection contracts containing own occupation definitions additionally provide claiming processes substantially easier than new policy requirements. Current contracts commonly require additional medical tests, extended review periods, and nuanced reporting creating assessment complexity and potential claim disputes. Claims assessors working exclusively with new policy structures may lack familiarity with legacy contract provisions, requiring advisers to educate assessors and advocate for correct rule application ensuring families receive entitled benefits under original contract terms.

How Have Mental Health Coverage Restrictions Changed and Why Were Changes Necessary?

Unrestricted mental health coverage eliminated from most current policies demonstrates widest variation between pre-2021 and current contracts, though regulatory changes forcing these restrictions proved necessary preventing unsustainable claiming patterns that would have rendered all Australians uninsurable under previous policy structures.

Pre-2021 policies commonly provided unrestricted mental health coverage across income protection and TPD benefits without benefit period limitations, exclusions, or enhanced assessment requirements differentiating mental health claims from physical disability scenarios. Current policies typically impose 2-year benefit period maximums for mental health income protection claims, apply complete mental health exclusions in default superannuation products, or require substantially more stringent assessment processes for mental health TPD determinations.

Industry data demonstrates mental health claiming patterns driving these restrictions. Mental health claims reached $2.2 billion during 2024³, with almost 1 in 3 TPD claims (33%) now attributable to mental health conditions⁴. Mental health TPD claims amongst 30-40 year olds increased 732% over the past decade⁵, with 80% of overall increased TPD claims over this period deriving from mental health conditions⁶. These dramatic patterns created unsustainable financial pressures requiring regulatory intervention preventing industry collapse.

Christopher Hall explains that whilst old policy mental health claiming processes prove substantially easier than current contract requirements, the changes proved necessary from macro economic perspective. Previous unrestricted mental health coverage created claiming patterns that, if continued, would have rendered all Australians uninsurable as industry financial sustainability collapsed under claim volume and cost pressures. Stringent regulatory requirements and heavier regulatory oversight forcing mental health coverage restrictions ultimately benefit all Australians through long-term industry viability and reduced federal budget pressures as sustainable private insurance reduces reliance on government disability support systems.

However, the critical assessment limitation involves insufficient long-term data definitively demonstrating new contract restriction impacts. Even Australia's largest insurers maintain only handful of clients on claim exceeding 2 years, creating data scarcity preventing conclusive analysis of how contract differences affect outcomes when claims extend beyond 2 or 5 years depending on specific policy provisions. Anyone claiming expertise on these long-term differences overstates available evidence—insufficient case volume exists nationally for definitive conclusions about critical test differences when extended claiming periods trigger key contract provision variations.

Mental health coverage assessment proves intensely case-by-case dependent on individual susceptibility perceptions and concerns. Some families dismiss mental health claiming probability quickly, stating concerns prove irrelevant, problems unlikely, and mental health scenarios "never" applying to their circumstances. For these families, the answer becomes self-evident—mental health coverage premium premiums prove unjustified, commonly leading to accident-only TPD selections at substantially lower premiums eliminating mental health provisions entirely.

Conversely, families asking detailed questions about mental health claiming nuances, benefit period implications, and assessment criteria demonstrate concern levels making premium costs less significant compared to coverage certainty. These families commonly find unrestricted mental health coverage value justifies premium premiums once understanding emerges about claiming scenario possibilities and current policy restriction implications.

The assessment complexity makes professional guidance valuable helping families understand mental health coverage differences, assess personal susceptibility factors, and determine whether premium premiums justify unrestricted coverage preservation or whether current restricted alternatives provide adequate protection at reduced costs matching individual risk perceptions and family circumstances.

When Do Simplified Old Contract Claiming Processes Justify Premium Costs?

Old insurance contracts commonly provide substantially simplified claiming processes requiring fewer medical tests, shorter review periods, and less nuanced reporting compared to current policy requirements creating assessment complexity potentially affecting claim approval timing and family stress during disability periods.

Christopher Hall's experience demonstrates old income protection contracts particularly provide claiming advantages through streamlined assessment processes. Current contracts commonly mandate additional medical testing, extended specialist consultations, detailed functional capacity evaluations, and nuanced activity reporting creating documentation burdens and assessment timelines substantially exceeding legacy policy requirements. These enhanced requirements reflect insurer efforts managing claim costs and preventing inappropriate payments but simultaneously create legitimate claiming barriers for families experiencing genuine disabilities.

The claiming process differences prove particularly pronounced for occupation-specific assessments under own occupation definitions. Legacy contracts commonly accepted relatively straightforward medical evidence and occupation duty documentation, whilst current policies frequently require comprehensive functional assessments, workplace capacity evaluations, and detailed analysis of specific occupation requirements creating extended claim determination periods.

Mental health claims demonstrate most dramatic process differences between old and new contracts. Legacy unrestricted mental health provisions commonly accepted psychiatric assessments and treatment documentation relatively straightforwardly, whilst current restricted provisions require enhanced medical evidence, functional capacity demonstrations, and assessment against stringent benefit period or coverage limitation criteria creating substantially more complex claiming scenarios.

However, claims assessor familiarity limitations create additional complexity for families holding legacy contracts. Assessors working exclusively with current policy structures may lack comprehensive understanding of old contract provisions, potentially applying inappropriate modern assessment standards to legacy claims. Professional advisers must sometimes educate claims assessors about historical contract provisions and advocate for correct rule application ensuring families receive entitled benefits under original policy terms rather than current standards.

The simplified claiming process value proves difficult quantifying in premium terms because insufficient long-term claim data exists demonstrating definitive outcome differences. Families must weigh theoretical claiming process advantages against quantifiable premium costs, typically requiring professional assessment evaluating whether individual circumstances—occupation type, claiming probability, family risk tolerance—justify paying premium premiums for process simplicity potentially never utilized versus accepting current contract complexities at reduced costs.

When Does Switching From Pre-2021 Policies Make Sense Despite Feature Loss?

Professional advisers rarely recommend switching from genuine pre-2021 feature-rich policies to current alternatives despite premium cost differentials, though specific circumstances occasionally justify strategic switching when feature preservation provides minimal individual value relative to substantial cost savings available through current products.

Christopher Hall explains preservation recommendations dominate pre-2021 policy assessments because discontinued features commonly provide irreplaceable protection impossible to obtain through current alternatives at any premium cost. Families holding agreed value income protection established during peak earning periods, own occupation TPD definitions matching physical occupation requirements, or unrestricted mental health coverage typically benefit from preservation despite apparent premium expense.

However, switching occasionally proves appropriate when pre-2021 policies contain no material feature advantages relative to current alternatives available at substantially reduced costs. Families holding legacy policies that never contained agreed value provisions, maintain any occupation TPD definitions adequate for office-based occupations, and provide mental health coverage matching current product restrictions face no meaningful feature loss through strategic switching if current alternatives offer 40%+ cost reductions whilst maintaining equivalent benefit structures.

The decision framework requires comprehensive feature identification establishing exactly which pre-2021 provisions existing policies contain. Not all policies established before 2021 contain valuable discontinued features—many policies issued during this period already utilized indemnity income protection, any occupation TPD definitions, or restricted mental health provisions matching current product structures. These policies provide no preservation value based on feature differentiation, making cost-focused switching assessment appropriate.

Premium component separation proves essential distinguishing loyalty tax from feature-driven costs. Families holding pre-2021 policies experiencing 4-7 year loyalty tax accumulation may face premium structures where 50%+ reflects systematic overpricing rather than valuable feature costs. Professional benchmarking determines whether premium expense derives primarily from loyalty tax requiring strategic response or genuine feature value justifying preservation Life Insurance Premium Benchmarking: Are You Paying Too Much?

Health status assessment proves critical for switching decisions. Families whose health deteriorated since policy establishment face substantial risk that new applications result in exclusions, premium loadings, or complete declines eliminating replacement coverage feasibility regardless of feature considerations. Health changes create existing policy irreplaceable value regardless of premium costs or feature advantages Should You Cancel Your Expensive Life Insurance? What to Consider First.

Current family circumstances determine feature value relative to premium costs. Families experiencing significant income reduction may find agreed value premium premiums unjustifiable despite theoretical benefit advantages, particularly when budget constraints threaten policy sustainability. Families in office-based occupations may determine any occupation TPD definitions provide adequate protection making own occupation premium premiums unnecessary expenses. Families dismissing mental health claiming probability may find unrestricted coverage premium costs unjustified given personal risk assessment.

The individual circumstance dependency makes universal switching recommendations impossible. Professional assessment evaluates specific features, quantifies premium components, assesses health status implications, and determines whether preservation, modification, or strategic switching provides optimal balance between coverage adequacy and affordability given unique family situations.

How Can Professional Assessment Help Families Value Pre-2021 Policy Features?

Professional insurance assessment helps families identify specific pre-2021 policy features, evaluate discontinued provision value against premium costs, separate loyalty tax components from feature-driven expenses, and determine preservation versus switching appropriateness given individual occupation types, family circumstances, and coverage priorities.

Arrow Equities provides complimentary, no-obligation initial consultations to help families identify specific pre-2021 policy features existing coverage contains, assess discontinued provision value for individual circumstances, determine whether feature advantages justify premium premiums, and explore strategic alternatives balancing feature preservation against affordability constraints. Speak directly with Christopher Hall's specialized risk advisory team (AFSL 526688) based on 500+ Australian policy reviews and expertise valuing discontinued provisions.

Book Your Free Policy Feature Assessment

Initial consultations include:

• Identification of specific pre-2021 features existing policies contain (agreed value, own occupation, unrestricted mental health, simplified claiming processes)

• Assessment of agreed value benefit advantages for professionals over 45 facing income reduction through restructuring or career transitions

• Evaluation of own occupation TPD definition value for blue collar workers and specialized physical professions versus any occupation adequacy for office-based roles

• Discussion of mental health coverage value accounting for individual susceptibility perceptions and claiming scenario concerns

• Premium component separation distinguishing loyalty tax from genuine feature-driven costs

• Analysis of health status changes preventing replacement coverage obtainment regardless of feature considerations

• Evaluation of when switching makes sense despite feature loss given individual circumstances and family priorities

• Clear explanation of discontinued provision claiming advantages with no pressure to proceed

Phone, video call, and in-person consultations available across Australia.

Related Pre-2021 Policy Feature Assessment Resources

Understanding which pre-2021 insurance policy features exist in current coverage and assessing their value against premium costs helps families determine whether apparently expensive policies provide irreplaceable protection or whether current alternatives offer adequate coverage at lower costs justifying strategic switching. Policy comparison complexity involving discontinued feature assessment requires professional expertise beyond simple premium dollar comparisons inadequately accounting for benefit structure variations How to Compare Insurance Policies: Beyond Price.

Premium benchmarking must account for pre-2021 features when determining whether costs reflect loyalty tax requiring strategic response or appropriate pricing for discontinued provisions worth preserving despite apparent expense Life Insurance Premium Benchmarking: Are You Paying Too Much?

Policy cancellation decisions require comprehensive feature assessment evaluating whether pre-2021 provisions justify premium costs, whether modification alternatives provide adequate protection at reduced expense, and whether health status changes prevent replacement coverage obtainment making preservation essential Should You Cancel Your Expensive Life Insurance? What to Consider First.

Agreed value income protection provides benefit certainty particularly valuable during career transitions, income reductions, or part-time work transitions affecting indemnity-based benefit calculations tied to current earning capacity Income Protection vs Life Insurance: Understanding the Difference.

Own occupation TPD definitions prove essential for hands-on professions requiring physical capability, with pre-2021 policies commonly containing these provisions whilst current alternatives restrict availability or price own occupation definitions prohibitively TPD Insurance Explained: Total and Permanent Disability Cover.

Professional assessment identifies specific pre-2021 features, values discontinued provisions against premium costs accounting for individual circumstances, and determines preservation versus switching appropriateness given occupation types, family situations, and coverage priorities When to Seek Professional Insurance Advice: The Review Process.

Frequently Asked Questions About Pre-2021 Insurance Policy Features

What insurance policy features were discontinued after 2021?

Key discontinued features include agreed value income protection eliminated from new policies 1 April 2020, own occupation TPD definitions now substantially restricted, unrestricted mental health coverage replaced by 2-year benefit period limitations or complete exclusions, and simplified claiming processes requiring fewer medical tests and nuanced reporting compared to current contract requirements. These changes reflected industry claims experience requiring regulatory intervention preventing unsustainable patterns threatening all Australians' insurability.

What is agreed value income protection and why is it valuable?

Agreed value income protection calculates benefit amounts at policy establishment based on income documentation during underwriting, creating contractual obligation to pay predetermined benefits regardless of subsequent income changes at claim time. This proves particularly valuable for professionals over 45 facing restructuring, redundancy, or career transitions eliminating ability to command remuneration levels achieved during early-to-mid 40s peak earning periods. Indemnity alternatives calculate benefits based on current earnings potentially substantially reduced from historical peak incomes.

Are pre-2021 insurance policies worth keeping despite higher premiums?

Pre-2021 policy preservation value depends entirely on individual circumstances including occupation type, age, mental health susceptibility, and current family situations. Policies containing agreed value income protection, own occupation TPD definitions, or unrestricted mental health coverage commonly warrant preservation despite premium premiums. However, policies without material feature advantages or families experiencing substantial budget constraints occasionally benefit from strategic switching to current alternatives offering 40 percent plus cost reductions.

Why were agreed value income protection policies discontinued?

Agreed value income protection discontinued 1 April 2020 due to adverse claims experience creating unsustainable financial pressures. Benefit amount certainty regardless of income changes at claim time provided policyholders substantial advantages but created insurer risk when career transitions, income reductions, or workforce departures meant benefit payments exceeded current earning capacity significantly. Regulatory intervention forced discontinuation preventing industry financial instability threatening broader insurance market sustainability.

How much premium premium is justified for pre-2021 policy features?

Premium premium justification proves case-by-case dependent on individual circumstances rather than following universal benchmarks. Agreed value proves most valuable for professionals over 45 facing income reduction probability. Own occupation TPD definitions prove essential for specialized physical professions including surgeons, plumbers, electricians, and high-risk occupations. Mental health coverage value depends on individual susceptibility perceptions—families dismissing mental health claiming probability commonly find premium unjustified, whilst concerned families consider costs acceptable. Professional assessment determines specific circumstance appropriateness.

Can families get agreed value income protection in new policies?

No. Agreed value income protection was discontinued from all new policies effective 1 April 2020. Current income protection policies exclusively utilize indemnity structures calculating benefit amounts at claim time based on actual earnings during period immediately preceding disability. Families holding pre-2021 agreed value policies possess irreplaceable protection impossible to obtain through current market alternatives at any premium cost, making preservation particularly valuable for demographics experiencing income reduction risks.

When should families switch from pre-2021 policies despite losing features?

Professional advisers rarely recommend switching from genuine pre-2021 feature-rich policies. However, switching occasionally proves appropriate when policies contain no material feature advantages—never contained agreed value, maintain any occupation TPD adequate for office work, provide mental health coverage matching current restrictions—whilst current alternatives offer 40 percent plus cost reductions. Additionally, families experiencing substantial budget constraints threatening policy sustainability may prioritize affordability over theoretical feature advantages depending on individual risk tolerance and circumstances.

Conclusion

Pre-2021 insurance policies commonly contain discontinued features including agreed value income protection eliminated 1 April 2020, own occupation TPD definitions now substantially restricted, unrestricted mental health coverage replaced by benefit period limitations or exclusions, and simplified claiming processes requiring fewer tests and nuanced reporting than current contract requirements. These discontinued provisions create situations where apparently expensive premiums purchase irreplaceable protection impossible to replicate through current alternatives.

Agreed value income protection proves particularly valuable for professionals over 45 experiencing restructuring, redundancy, or career transitions discovering commanding similar remuneration achieved during early-to-mid 40s proves remarkably difficult across numerous industries. Benefit amount certainty determined at policy establishment regardless of subsequent income changes provides superior outcomes compared to indemnity alternatives calculating payments based on reduced current earnings at claim time.

Own occupation TPD definitions prove imperative for blue collar workers and specialized physical professions where hand injuries or mobility limitations eliminate career continuation despite alternative employment capacity. Surgeons face particularly acute own occupation requirements given limited lateral mobility following physical impairments, whilst plumbers and electricians demonstrate greater income rebuilding capacity through management transitions. Office workers commonly find any occupation definitions adequate as disabilities preventing professional work typically prevent most employment requiring comparable qualifications.

Mental health coverage restrictions demonstrate widest variation between pre-2021 and current contracts, though regulatory changes forcing these restrictions proved necessary preventing unsustainable claiming patterns threatening all Australians' insurability. Industry data showing $2.2 billion mental health claims, 732% increase amongst 30-40 year olds, and mental health representing 33% of TPD claims demonstrates patterns requiring intervention for long-term industry sustainability and reduced federal budget pressures.

However, insufficient long-term claim data exists definitively demonstrating new contract restriction impacts, as even Australia's largest insurers maintain only handful of clients on claim exceeding 2 years. Anyone claiming expertise on long-term contract differences overstates available evidence given insufficient national case volume for conclusive analysis.

Professional advisers rarely recommend switching from genuine pre-2021 feature-rich policies despite premium costs, though circumstances occasionally justify strategic switching when policies contain no material feature advantages whilst current alternatives offer substantial cost reductions. Feature value assessment proves intensely case-by-case dependent on occupation types, age demographics, mental health susceptibility perceptions, and current family circumstances requiring professional evaluation rather than universal preservation recommendations.

Sources & References

This article is based on data and insights from the following authoritative sources:

Product and Underwriting Data:

• TAL Life Limited, "Alterations for Affordability Guide – Accelerated Protection," December 2022

Claims and Market Trends:

• Council of Australian Life Insurers (CALI), income protection and mental health claims analysis (2024)

• CALI, "Australia's Mental Health Check Up" report by KPMG (December 2024)

• CALI 2024 H2 Data Collection Cause of Claims Results

Industry Financial Data:

• KPMG Australia, "Life Insurance Industry Insights 2023," analysis of financial results to 30 June 2023

Professional Insights:

• Christopher Hall, Arrow Equities (AFSL 526688), based on review of 500+ Australian insurance policies

All statistics and data points referenced are current as of article publication date (January 2026) and represent the most recent publicly available industry information.

¹ TAL Life Limited "Alterations for Affordability Guide" (December 2022), noting agreed value income protection discontinued for new policies from 1 April 2020

² TAL Life Limited "Alterations for Affordability Guide" (December 2022), showing up to 38% premium difference between own occupation and any occupation TPD definitions

³ CALI data (2024), showing $2.2 billion paid in mental health claims during 2024 across all coverage types

⁴ CALI 2024 H2 Data Collection Cause of Claims Results, showing almost 1 in 3 (33%) TPD claims now for mental health

⁵ CALI "Australia's Mental Health Check Up" by KPMG (December 2024), showing 732% increase in TPD claims for mental health amongst 30-40 year olds over past decade

⁶ CALI "Australia's Mental Health Check Up" by KPMG (December 2024), showing 80% of increased TPD claims over past decade due to mental health

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