Dennis’s story

Dennis’s story:

Income Protection, depression $180,000

Who is Dennis?

Dennis is a 48 year old self employed real-estate agent. He is recently divorced and has two adult children.

What happened to Dennis?

Following a number of negative episodes, Dennis was diagnosed with a major depressive disorder and was unable to continue working. When Dennis started his business many years ago, he had the forethought to see a financial adviser who guided him through taking out a range of insurance cover, which he continued to maintain. Under his Income Protection policy, he was able to make a claim so that he could cover the bills while he was unable to work.

Where is Dennis now?

Insurance company’s Medical Services team approached Dennis to see if he would be interested in assistance with returning to work. Dennis was keen to embark on the road to recovery, so the insurance company engaged a rehabilitation consultant with a background in psychology to help. The consultant developed a return to work plan in consultation with Dennis and his psychiatrist, and Dennis has since returned to part time work.


“It’s been a difficult road, but I’m finally getting back on track. It was a bit of a vicious circle – I couldn’t work because of the depression, but not working wasn’t doing my mental

 health any good. I can see light at the end of the tunnel now and I’m learning strategies to help me work and maintain my health.”