Hi OP no you cannot change insurers and not disclose any pre existing conditions. They will void your claim and legally be able to not pay due to 'non disclosure'. It is technically considered fraud....If it helps at all, I don't believe any insurer out there would have covered hubby for that particular issue if he has had it since birth.
Also most income protection policies would have waiting periods of minimum two weeks, more commonly 4 weeks or beyond...insurance is really important and I know it's frustrating for you now, but he is still covered for a myriad of different risks, that could be much more severe financially (I.e. A serious long term illness that would prevent him from working ever again).
Good luck OP, I hope it all works out for you and hubby has a speedy recovery.
Thanks all. I won't be changing insurance. I will speak to a financial advisor.
I've just sent you a pm
The workers comp route might be messy. They will need to have documentation to demonstrate your DH is deemed a worker. They look at income, and pay based on that, not business takings. They would likely need the business and individual tax returns in order to determine earnings. But... if you're in NSW, you also end up looking at work capacity decisions being made, which could again reduce the entitlement from what Sarah1502 said.
Also, approval would need to be given for surgery, etc, and that all takes additional time.
If you need any clarifications, feel free to PM me ☺
Also maybe speak to a compensation lawyer. It may help with the insurance
Do you work 2blueburds? I would be subletting the truck for 6 months, making DH the primary carer and you going out to work as most you can. Is this an option?
Not a popular option but can you look into withdrawing some super on compassionate grounds? There is someone on here who works in this area, hopefully they pop in and offer some advice.
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