At OnePath, we’re in the business of paying claims.
In fact, we pay over 92% of all claims on advised policies. However, cases like Steve’s and others that don't meet policy definitions make up the 8% we decline.
In Steve’s case, had he disclosed his previous back injury, his adviser would have worked with OnePath to tailor a policy to provide him with income protection. It is most likely however, that Steve’s policy would have excluded cover for back issues.
Based on Steve’s decision to not be completely honest when applying for his insurance, his claim was unable to be paid.