I have to agree with Gabby, although that 3 months maybe stressful but It could also have advantages, especially considering the financial toll. If it’s at all possible I would suggest obtaining total permanent disability (TPD) cover AND income protection (IP) cover as soon as practicably possible. At least this way you have some sort of cover if the whole process does not go to plan. Personally I was SO lucky that I had such cover. I’ve required a few neurosurgeries and although the first couple went according to plan (well, sort of anyway). The last few operations did NOT go to plan. My plan was to be returning to work, well, that didn’t happen and although the actual claiming of the insurance was not a straight forward process, the income protection covered my 85% of my normal income whilst I was recovering from the surgery. When that recovery didn’t recover I could then claim the TPD portion of my cover. Had I not had that cover I would have lost my house as well as had my condition to battle.
If you can use that wait time constructively and put things in place to cover yourself and your loved ones all the better. Look, we all hope, pray, beg that the whole thing goes according to plan, but lets face it, this is not always the case. You’d be much better using that time to make sure you have all bases covered. Some insurers will say you need to have at least a 3 month waiting period before making a claim. So rather than looking at that time as a negative, use it as a positive. Use that time constructively.
Merl from the Moderator Support Team