WA Which Insurance PDS is valid for a claim on TPD?

Discussion in 'Insurance Law Forum' started by acorn, 14 April 2019.

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  1. acorn

    acorn Member

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    I have Death & TPD insurance inside Super. I applied for this insurance in 2011.

    If I make a claim for TPD in Apr 2019, which PDS, and hence Terms and Conditions and Definitions, is in force at the time of the claim?
    Is it the PDS and related documents that were issued to me at the time of my signed application in 2011?
    Or is it the PDS and related documents for the same product that is current at April 2019?

    Hoping someone has experience with this scenario and can provide me with definitive answer.

    Thank you
     
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