“My girls could stay in their own home”
Brian (46) is in a management position at a paper mill. His wife Denise is at home raising their three young children. Brian was diagnosed with a brain tumour and had to undergo surgery and radiotherapy. 12 months later, just weeks after celebrating his 40th birthday in the South Island with his family, Brian had to have further treatment as the tumour had grown back.
While the tumour is now gone, Brian continues to suffer from small seizures, as well as memory loss and difficulties with speech. This meant that he is unable to work. It is also likely that the tumour will eventually return.
Brian had an Income Protection Cover policy with TOWER which meant that he was able to continue to receive a percentage of his lost income. This allowed Brian and Denise to keep paying the mortgage and they did not have to lose their home. Because of this, the girls could stay at the same school which meant that while the impact of their dad’s illness was hard, their normal routine didn’t have to be disrupted. It also meant the Denise could be at home as Brian’s caregiver and she did not have to try and work while still looking after the family.
Because of the effects of the tumour, Brian was unable to return to work. However, with TOWER’s Income Protection Cover policy he can continue to claim until he reaches the age of 65.
This case study is based on a typical claims situation.