The other thing that has gone unmentioned is that millions of Australian were sold TPD policies via their super companies where the definition of TPD was 'Can not perform one or more of the tasks that they did before' these terms were later changed without any representation of the customers, and led to terms that were considerably worse and vague which almost entirely transferred the power to pick and chose which claims to honour onto the insurer, the question needs to be asked who renegotiated these terms? What happened to the old product disclosure documents that were used to sell the insurance, I have tried to attain these and I get sent completely useless documents that I have never seen before, in fact I am unable to receive my signed contract....I think this needs to be challenged in the courts at the highest levels.