Insurer: Zurich (Retail Policy)
Condition: Sjögren’s Syndrome
Occupation: Office Administrator
Benefit: $711,591 TPD + $88,559.77 in refunded premiums
Outcome: Margaret had a long career in administrative work but was unable to continue due to a chronic health condition that significantly impacted her ability to perform day-to-day tasks. While the insurer gathered multiple opinions suggesting her condition might be manageable with adjustments, we provided strong medical evidence and persuasive submissions showing that, in practical terms, returning to work was unrealistic. When the insurer attempted to prolong the process by requesting further specialist input, we successfully challenged the need for it. The claim was ultimately admitted in full.