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Short-Term Disability Benefits
Jon-Paul Hale uses a real life example to highlight issues around disability claims.
News > Paul Hale
Saturday, March 14th 2026
Jon-Paul Hale uses a real life example to highlight issues around disability claims.
Monday, November 03rd 2025
Jon-Paul Hale runs the rule over insurer's change of servicing requirements.
Thursday, October 23rd 2025
Wednesday, September 10th 2025
Trauma cover is an interesting one, as its use over the years has changed and evolved.
Wednesday, August 27th 2025
Continuing my exploration of disability cover. Something that has been highlighted with both my own personal claims and the extensive number of claims with clients is that modern demands on disability coverage don't match client reality as well as we think.
Tuesday, July 29th 2025
While signature-less processes have been a thing for one or two providers, we now have around half that will process policy changes without the need for signatures in some shape or form.
Tuesday, June 24th 2025
If you're an adviser, you will have seen the challenges with provider service levels trending downwards and your admin loads increasing.
Tuesday, May 20th 2025
Most of you will have seen the notices advising increased premiums in the last month, ranging from 16% to 22%.
Tuesday, May 06th 2025
The FMA has previously mentioned concern about how the incentives for policy servicing work.
Tuesday, April 01st 2025
Most of you will have seen the notices advising increased premiums in the last month, ranging from 16% to 22%.
Monday, February 10th 2025
There's been a long-term push to simplify life insurance, which I agree with in principle. However, in practice, this has some gnarly implications that those outside the industry don't appreciate.
Thursday, December 12th 2024
Picking up on my prior ranting about a recent FSCL case study.
Wednesday, November 27th 2024
Jon-Paul Hale examines a recent FSCL decision over a funeral plan claim and says its trying to open the door litigating past advice given under old rules.
Thursday, October 10th 2024
Most reading this in context of insurance would agree.
Thursday, October 03rd 2024
You'd think that with all the talk about licensing and managing advisers, insurers would have gotten their act together and sorted their systems to account for and address the various demands of their business and the new rules. Nope!
Thursday, September 26th 2024
Jon-Paul Hale says when an adviser is talking to clients about medical insurance, they need to be very clear about how unfunded medicines are covered.
Saturday, September 14th 2024
You may have noticed that we now have to age 70 as an option for the payment term on income protection.
Monday, September 09th 2024
From time to time, I come across a particular advice situation that looks good on the surface but has some serious outcome risks for clients.
Friday, August 09th 2024
Many people reading my articles might think I'm grumpy and cynical, and sure, what you see here usually points out some problem or issue.
Thursday, August 01st 2024
I talked about the case for Golden Life, which is one for life coverage and funeral planning. This is about the other benefits, risks, and needs.
Thursday, June 27th 2024
Funeral plans are no longer a viable product, mainly because they have been deemed unreasonable contracts. One alternative is a Golden Life policy. Jon-Paul Hale explains.
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