NSW Caselaw
New South Wales Supreme Court
CITATION : Halloran v Harwood Nominees Pty Ltd & Anor [2007] NSWSC 913
HEARING DATE(S) : 9-10 July 2007 JURISDICTION : Equity Division
JUDGMENT OF : Brereton J
EX TEMPORE JUDGMENT DATE : 10 July 2007
DECISION : Trustee's decision void for addressing incorrect question. Insurer's decision void for irrelevant consideration. Court's decision that member was totally and permanently disabled within meaning of policy substituted for insurer's decision. Order that insurer pay sum insured to trustee and trustee thereupon remit to plaintiff.
CATCHWORDS : SUPERANNUATION – benefits for disablement – where benefits insured under group life policy – "total and permanent disablement" – "disablement from further employment" – whether trustee addressed correct question – date of assessment – whether insurer took into account irrelevant considerations – whether employment for which employee became suited only by subsequent retraining is relevant employment – what constitutes "total and permanent disablement"
LEGISLATION CITED : (CTH) Insurance Contracts Act 1984 s 57
Banister v National Mutual Life Association of Australia Ltd and State Fire Commission (Tas SCCA, Zeeman J, 9 October 1990, unreported, BC 90000333) Cameron v Board of Trustees of the State Public Sector Superannuation Scheme [2003] FCAFC 214; (2003) 130 FCR 122 Cavill Power Products Pty Limited v Royle (1991) 42 IR 229 Chammas v Harwood Nominees (No 1) (1993) 7 ANZ Ins Cas 61-175; (NSWSC, Hodgson J, 14 April 1993, BC9301704) Constantinides v Du Pont Superannuation Fund Pty Limited [2002] FCA 534 Dillon v Burns Philp Finance Limited (NSWSC, Bryson J, 20 July 1988, unreported, BC 8801719) Dolton v State Authorities Superannuation Board [1995] NSWIRC 159 Edwards v Hunter Valley Co Op Dairy Co Limited (1992) 7 ANZ Ins Cas 61-113 Fernance v Wreckair Pty Ltd (No 2) (1992) 43 IR 300 CASES CITED : Giles v National Mutual Life Association of Australasia Limited (1986) 4 ANZ Ins Cas 60-751 Hanover Life Re of Australia Limited v Sayseng [2005] NSWCA 214; (2005) 13 ANZ Ins Cas 90-123 Maciejewski v Telstra Super Pty Limited [1999] NSWSC 341 McArthur v Mercantile Mutual Life Insurance Company Limited [2002] 2 Qd R 197 Nile v Club Plus Superannuation Pty Ltd [2005] NSWSC 55 Rapa v Patience (NSWSC, McClelland J, 4 April 1985, unreported, BC 8500888) Riley v National Mutual Life Association of Australasia Limited and State Fire Commission (1986) 4 ANZ Ins Cas 60-684 Sayseng v Kellogg Superannuation P/L [2003] NSWSC 945 White v Board of Trustees (1997) 2 Qd R 659 Wyllie v National Mutual Life Association of Australasia (1997) 217 ALR 324
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