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By Annie Nikolovski
The spotlight on neurological injuries caused by head trauma in sport has never been brighter. With growing awareness of conditions such as Chronic Traumatic Encephalopathy (CTE) and sporting legends like Neale Daniher and Jai Arrow fighting Motor Neurone Disease, we are talking about the risks of neurological injury more than ever and gaining a better understanding of the potential consequences of repeated head knocks for our sporting stars. That is why this latest development in the AFL is so striking.
What is the latest development?
AFL and AFLW players have been affected by changes to their Total and Permanent Disablement insurance cover (TPD). TPD is a superannuation benefit that provides a lump sum payment if illness or injury leaves you permanently unable to work. The definition of disablement and the conditions covered can vary between super funds.
The fund covering AFL and AFLW players is insured by Zurich, which has recently removed cover for concussion, traumatic head injury, CTE, post-concussion syndrome, and other cognitive or mental health conditions linked to head trauma. The reason being that Zurich has found it more difficult to provide every claim with the same terms, due to the uncertainty around the long-term impacts of these conditions, along with an increase in claims being made.
Why does this change matter?
This leaves players without a very valuable benefit, for an injury that appears to pose a real and growing risk. TPD cover is designed to relieve financial pressure when you can no longer earn an income due to illness or injury. We know that a serious injury can affect far more than your income – it can also impact mortgage repayments, medical expenses, and everyday living costs in an environment where the cost of living continues to rise.
So, why is this important to you?
You don’t need to be a professional athlete to appreciate the value of TPD insurance. Whether you’re a tradie, teacher, or emergency services worker whose sporting prowess may only extend to a bit of backyard cricket, it’s worth checking your cover through your superannuation fund. Knowing what you’re entitled to can make a real difference if an injury or illness leaves you unable to work.
Whether you’re looking to access your TPD cover or simply want advice on what you’re entitled to, speak to one of the experienced lawyers in our personal injury team at Nikolovski Lawyers.
