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Superannuation / income protection


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#1 SCARFACE CLAW

Posted 06 February 2013 - 09:52 PM

Wondering if anyone can help me out.

DH recieved his statement from his Superannuation company today, and looking through the life insurance / income protection details, it lists his "Smoker status" as smoker. DH is not / has not ever been a smoker! Would this be affecting his premiums?

He is going to call them tomorrow, but would he have any right to claim any extras he may have been paying back due to this error?

#2 MintyBiscuit

Posted 07 February 2013 - 01:28 PM

It probably would affect his premiums, and I'd be asking them to find where it was noted that he is a smoker. They should be able to access the original paperwork used to apply for the insurance. If it is their error and he's been paying higher premiums, I would be asking for an adjustment to be done. They should be able to do it, and they would want to avoid a complaint.

Oh, make sure he speaks to someone in the insurance department - often the general call centre only has basic insurance training which may not cover his enquiry

Good luck!

EFS - stupid iPad

Edited by HollyOllyOxenfree, 07 February 2013 - 01:29 PM.


#3 Veritas Vinum Arte

Posted 07 February 2013 - 01:31 PM

We had the same problem with DH.... Default for new people was smoker... It was up to you to note the error and contact them. We did get pack pay of premiums overpaid.

Edited by lsolaBella, 07 February 2013 - 01:32 PM.


#4 SCARFACE CLAW

Posted 07 February 2013 - 09:28 PM

Thank you Holly and Isolabella. He forgot to take the paperwork with him today, so he'll make the call tomorrow. How infuriating that smoker is the default!




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