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You did not at the time. Yeah. Well, I mean, you were TBD. So at the time of the claim, your the medical record show that you were not you were not likely to ever go back to work again, but you are absolutely fine to get a job. If you just find a job that you're able to do or you wanna do and you wanna apply for that, there's nothing to say that you can't go back to work again. So you can absolutely find a job and go back to work if you want to. Yeah. Yeah. No. No. It it was just at the time of claim. So in order for you to have that claim successfully processed, all your medical records show that you were unable to get back to work again. But like I know, lots of people who have been CPDs in the past, taken their pay out, and then, you know, all of a sudden found a job, and they're able to find something they can do. Or with time, they are able to get a new job again. There's nothing wrong with that in any way, shape, or form. Yeah. Yeah. Wow. Yeah. No. You absolutely can if that's what you wanna do. Yeah. Yeah. Perfect. And if you're able to do so, like, with your injuries, absolutely, that, you know, helps you out a lot. Yeah. Yeah. Yeah. No. Completely understandable. No. No. Absolutely not. No. It's completely fine. I mean, at the time of the TPD claim, that was all fine. Have you managed to get back onto Centrelink at all, or you've just been avoiding them at all? Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Correct. Yeah. I mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible. But, also, you know, it gives you a reason to get up every day, and that's absolutely fine. Yeah. No. Of course. Absolutely. But, no, honestly, it's absolutely fine. You're able to look for work and go back to work if you find something you can do. They're not gonna ask for the money back in in any way, shape, or form. It's just about knowing that at the time of the TPD claim, you were unable to do that job. All of your medical records showed that, and the claim was successful on that basis. So yeah. Yep. Easy. All good. Perfect. Did you have any other questions or anything else that you maybe needed from me at the moment? Or yeah. Yeah. Absolutely. Perfect. Yes. Yes. No. Absolutely. Yeah. No. That's okay. That's not a problem at all. Well, hopefully, everything goes really well for you. And, yeah, if you're able to get to this job and start doing a little bit extra work, that would only, you know, provide benefit for you. Yeah. Super. Yep. So you would be better off just to open an industry fund. So in order to kinda hold the super fund that you had previously, we have 24. They do have a minimum balance requirement. And because it is a more sophisticated fund, the fees are generally higher. So if you are starting again, it would probably be best to go into, like, an industry super fund or something which is cheaper for you to start with. And then when and if you build your balance up above that minimum, say, around about 20 to 30,000, then we could have a look at it for you. But just starting from scratch, it would be best to stick to something cheaper, like an industry fund just to sort of get you started. And that employer would be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize. Absolutely. It's just that, like, Hub twenty four have minimum balances to to start a super that way. That's all. Yeah. Easy. Don't wanna eat away your small amount of contributions. If you if you are able to get back to work again, building up is a good thing. We don't wanna have fees eating that away. So, yeah, absolutely keep me in the loop and keep me updated. And wondering if you want me to sort of have a look at things, I absolutely can for you. Yeah. All good. Yeah. All good. Well, feel free to give me a call if you do have other questions or need anything else. I'm always here and happy to help. No worries at all, Ben. Good luck, and, hopefully, it all goes well. Keep me updated. All good. Thanks so much, Ben. I'll talk to you soon. You too. Thank you. 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morning. This is Dana. I'm good. Thanks. How are you, Ben?\n\nIs that a little bit better? I'm not sure. Let me just kinda sign up. Okay. What can I help you with?\n\nYeah. Sure. Yes. Yes. You did not at the time.\n\nYeah. Well, I mean, you were TBD. So at the time of the claim, your the medical record show that you were not you were not likely to ever go back to work again, but you are absolutely fine to get a job. If you just find a job that you're able to do or you wanna do and you wanna apply for that, there's nothing to say that you can't go back to work again. So you can absolutely find a job and go back to work if you want to.\n\nYeah. Yeah. No. No. It it was just at the time of claim.\n\nSo in order for you to have that claim successfully processed, all your medical records show that you were unable to get back to work again. But like I know, lots of people who have been CPDs in the past, taken their pay out, and then, you know, all of a sudden found a job, and they're able to find something they can do. Or with time, they are able to get a new job again. There's nothing wrong with that in any way, shape, or form. Yeah.\n\nYeah. Wow. Yeah. No. You absolutely can if that's what you wanna do.\n\nYeah. Yeah. Perfect. And if you're able to do so, like, with your injuries, absolutely, that, you know, helps you out a lot. Yeah.\n\nYeah. Yeah. No. Completely understandable. No.\n\nNo. Absolutely not. No. It's completely fine. I mean, at the time of the TPD claim, that was all fine.\n\nHave you managed to get back onto Centrelink at all, or you've just been avoiding them at all? Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Yeah. Correct. Yeah.\n\nI mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible. But, also, you know, it gives you a reason to get up every day, and that's absolutely fine. Yeah. No. Of course.\n\nAbsolutely. But, no, honestly, it's absolutely fine. You're able to look for work and go back to work if you find something you can do. They're not gonna ask for the money back in in any way, shape, or form. It's just about knowing that at the time of the TPD claim, you were unable to do that job.\n\nAll of your medical records showed that, and the claim was successful on that basis. So yeah. Yep. Easy. All good.\n\nPerfect. Did you have any other questions or anything else that you maybe needed from me at the moment? Or yeah. Yeah. Absolutely.\n\nPerfect. Yes. Yes. No. Absolutely.\n\nYeah. No. That's okay. That's not a problem at all. Well, hopefully, everything goes really well for you.\n\nAnd, yeah, if you're able to get to this job and start doing a little bit extra work, that would only, you know, provide benefit for you. Yeah. Super. Yep. So you would be better off just to open an industry fund.\n\nSo in order to kinda hold the super fund that you had previously, we have 24. They do have a minimum balance requirement. And because it is a more sophisticated fund, the fees are generally higher. So if you are starting again, it would probably be best to go into, like, an industry super fund or something which is cheaper for you to start with. And then when and if you build your balance up above that minimum, say, around about 20 to 30,000, then we could have a look at it for you.\n\nBut just starting from scratch, it would be best to stick to something cheaper, like an industry fund just to sort of get you started. And that employer would be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize. Absolutely. It's just that, like, Hub twenty four have minimum balances to to start a super that way. That's all.\n\nYeah. Easy. Don't wanna eat away your small amount of contributions. If you if you are able to get back to work again, building up is a good thing. We don't wanna have fees eating that away.\n\nSo, yeah, absolutely keep me in the loop and keep me updated. And wondering if you want me to sort of have a look at things, I absolutely can for you. Yeah. All good. Yeah.\n\nAll good. Well, feel free to give me a call if you do have other questions or need anything else. I'm always here and happy to help. No worries at all, Ben. Good luck, and, hopefully, it all goes well.\n\nKeep me updated. All good. Thanks so much, Ben. I'll talk to you soon. You too.\n\nThank you. See you later.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.12,"end":1.68,"sentiment":"positive","sentiment_score":0.3580044060945511},{"text":"This is Dana.","start":1.68,"end":2.5,"sentiment":"positive","sentiment_score":0.3443751831849416},{"text":"I'm good.","start":4.7999997,"end":5.3599997,"sentiment":"positive","sentiment_score":0.49606963992118835},{"text":"Thanks.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.5294706225395203},{"text":"How are you, Ben?","start":5.6,"end":6.66,"sentiment":"neutral","sentiment_score":0.23724977672100067}],"sentiment":"positive","sentiment_score":0.35164528091748554,"num_words":12,"start":1.12,"end":6.66},{"sentences":[{"text":"Is that a little bit better?","start":10.559999,"end":11.94,"sentiment":"neutral","sentiment_score":-0.0033401685456434884},{"text":"I'm not sure.","start":14.834999,"end":16.134998,"sentiment":"neutral","sentiment_score":-0.07571881512800853},{"text":"Let me just kinda sign up.","start":17.075,"end":18.855,"sentiment":"neutral","sentiment_score":-0.0694638267159462},{"text":"Okay.","start":19.955,"end":20.455,"sentiment":"neutral","sentiment_score":0.011495384387671947},{"text":"What can I help you with?","start":20.755,"end":22.134998,"sentiment":"neutral","sentiment_score":0.033369856576124825}],"sentiment":"neutral","sentiment_score":-0.020557540595870127,"num_words":22,"start":10.559999,"end":22.134998},{"sentences":[{"text":"Yeah.","start":25.169998,"end":25.49,"sentiment":"neutral","sentiment_score":0.009970461018383505},{"text":"Sure.","start":25.49,"end":25.99,"sentiment":"neutral","sentiment_score":0.010432408191263676},{"text":"Yes.","start":32.449997,"end":32.949997,"sentiment":"neutral","sentiment_score":-0.03461623191833496},{"text":"Yes.","start":33.41,"end":33.89,"sentiment":"neutral","sentiment_score":-0.033570438623428345},{"text":"You did not at the time.","start":33.89,"end":35.25,"sentiment":"neutral","sentiment_score":-0.07705638681848843}],"sentiment":"neutral","sentiment_score":-0.05101221222430467,"num_words":10,"start":25.169998,"end":35.25},{"sentences":[{"text":"Yeah.","start":35.25,"end":35.75,"sentiment":"neutral","sentiment_score":-0.019899124279618263},{"text":"Well, I mean, you were TBD.","start":42.144997,"end":43.684998,"sentiment":"neutral","sentiment_score":0.021006984636187553},{"text":"So at the time of the claim, your the medical record show that you were not you were not likely to ever go back to work again, but you are absolutely fine to get a job.","start":43.745,"end":54.4,"sentiment":"neutral","sentiment_score":0.06790427004711495},{"text":"If you just find a job that you're able to do or you wanna do and you wanna apply for that, there's nothing to say that you can't go back to work again.","start":54.7,"end":61.98,"sentiment":"neutral","sentiment_score":0.16837697701923776},{"text":"So you can absolutely find a job and go back to work if you want to.","start":61.98,"end":65.9,"sentiment":"neutral","sentiment_score":0.25695071555674076}],"sentiment":"neutral","sentiment_score":0.13280813256278634,"num_words":92,"start":35.25,"end":65.9},{"sentences":[{"text":"Yeah.","start":65.9,"end":66.4,"sentiment":"neutral","sentiment_score":0.013319451361894608},{"text":"Yeah.","start":68.704994,"end":69.204994,"sentiment":"neutral","sentiment_score":-0.05496084317564964},{"text":"No.","start":70.465,"end":70.784996,"sentiment":"neutral","sentiment_score":-0.16532190144062042},{"text":"No.","start":70.784996,"end":71.024994,"sentiment":"neutral","sentiment_score":-0.1555844247341156},{"text":"It it was just at the time of claim.","start":71.024994,"end":72.784996,"sentiment":"neutral","sentiment_score":-0.10211388849549824}],"sentiment":"neutral","sentiment_score":-0.09858251649599808,"num_words":13,"start":65.9,"end":72.784996},{"sentences":[{"text":"So in order for you to have that claim successfully processed, all your medical records show that you were unable to get back to work again.","start":72.784996,"end":80.405,"sentiment":"neutral","sentiment_score":-0.11046117200301243},{"text":"But like I know, lots of people who have been CPDs in the past, taken their pay out, and then, you know, all of a sudden found a job, and they're able to find something they can do.","start":81.29,"end":90.17,"sentiment":"neutral","sentiment_score":-0.02493149076441401},{"text":"Or with time, they are able to get a new job again.","start":90.17,"end":94.49,"sentiment":"neutral","sentiment_score":0.08515567239373922},{"text":"There's nothing wrong with that in any way, shape, or 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all?","start":144.23999,"end":148.485,"sentiment":"neutral","sentiment_score":-0.049889421814845666},{"text":"Yeah.","start":153.045,"end":153.545,"sentiment":"neutral","sentiment_score":-0.07111859321594238},{"text":"Yeah.","start":154.805,"end":155.305,"sentiment":"neutral","sentiment_score":-0.0656292736530304},{"text":"Yeah.","start":156.005,"end":156.505,"sentiment":"neutral","sentiment_score":-0.07962875813245773},{"text":"Yeah.","start":156.725,"end":157.045,"sentiment":"neutral","sentiment_score":-0.09892072528600691}],"sentiment":"neutral","sentiment_score":-0.055150315588848156,"num_words":22,"start":144.23999,"end":157.045},{"sentences":[{"text":"Absolutely.","start":157.045,"end":157.545,"sentiment":"neutral","sentiment_score":-0.16253232955932617},{"text":"Yeah.","start":159.925,"end":160.425,"sentiment":"neutral","sentiment_score":-0.08056244999170303},{"text":"Yeah.","start":167.94,"end":168.44,"sentiment":"neutral","sentiment_score":-0.06703945994377136},{"text":"Correct.","start":171.37999,"end":171.87999,"sentiment":"neutral","sentiment_score":-0.024359187111258507},{"text":"Yeah.","start":175.235,"end":175.555,"sentiment":"neutral","sentiment_score":0.00955052301287651}],"sentiment":"neutral","sentiment_score":-0.06498858071863652,"num_words":5,"start":157.045,"end":175.555},{"sentences":[{"text":"I mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible.","start":175.555,"end":185.89499,"sentiment":"neutral","sentiment_score":0.13010905015592775},{"text":"But, also, you know, it gives you a reason to get up every day, and that's absolutely fine.","start":186.45001,"end":190.23001,"sentiment":"positive","sentiment_score":0.36788351833820343},{"text":"Yeah.","start":197.81001,"end":198.31001,"sentiment":"neutral","sentiment_score":-0.07686212658882141},{"text":"No.","start":198.45001,"end":198.77,"sentiment":"neutral","sentiment_score":-0.12185636162757874},{"text":"Of 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good.","start":224.85,"end":225.67,"sentiment":"positive","sentiment_score":0.4095480889081955}],"sentiment":"neutral","sentiment_score":0.2718149036878631,"num_words":21,"start":213.305,"end":225.67},{"sentences":[{"text":"Perfect.","start":226.29001,"end":226.79001,"sentiment":"positive","sentiment_score":0.662629246711731},{"text":"Did you have any other questions or anything else that you maybe needed from me at the moment?","start":226.93001,"end":230.85,"sentiment":"neutral","sentiment_score":0.09099565342896515},{"text":"Or yeah.","start":230.85,"end":235.245,"sentiment":"neutral","sentiment_score":-0.028849361464381218},{"text":"Yeah.","start":237.385,"end":237.785,"sentiment":"neutral","sentiment_score":0.029198814183473587},{"text":"Absolutely.","start":237.785,"end":238.285,"sentiment":"neutral","sentiment_score":0.06343497335910797}],"sentiment":"neutral","sentiment_score":0.10154287274117055,"num_words":23,"start":226.29001,"end":238.285},{"sentences":[{"text":"Perfect.","start":241.545,"end":242.045,"sentiment":"neutral","sentiment_score":0.16798746585845947},{"text":"Yes.","start":250.92,"end":251.4,"sentiment":"neutral","sentiment_score":-0.005916477181017399},{"text":"Yes.","start":251.4,"end":251.9,"sentiment":"neutral","sentiment_score":-0.019260233268141747},{"text":"No.","start":253.0,"end":253.31999,"sentiment":"neutral","sentiment_score":-0.07346078753471375},{"text":"Absolutely.","start":253.31999,"end":253.81999,"sentiment":"neutral","sentiment_score":-0.0236682016402483}],"sentiment":"neutral","sentiment_score":0.009136353246867656,"num_words":5,"start":241.545,"end":253.81999},{"sentences":[{"text":"Yeah.","start":257.415,"end":257.735,"sentiment":"neutral","sentiment_score":-0.005600580945611},{"text":"No.","start":257.735,"end":257.975,"sentiment":"neutral","sentiment_score":-0.04298529028892517},{"text":"That's okay.","start":257.975,"end":258.615,"sentiment":"neutral","sentiment_score":0.038307142443954945},{"text":"That's not a problem at all.","start":258.615,"end":259.975,"sentiment":"neutral","sentiment_score":0.160757506887118},{"text":"Well, hopefully, everything goes really well for you.","start":259.975,"end":262.135,"sentiment":"positive","sentiment_score":0.49070528894662857}],"sentiment":"neutral","sentiment_score":0.27323420925272834,"num_words":18,"start":257.415,"end":262.135},{"sentences":[{"text":"And, yeah, if you're able to get to this job and start doing a little bit extra work, that would only, you know, provide benefit for you.","start":262.135,"end":268.555,"sentiment":"neutral","sentiment_score":0.3136337173205835},{"text":"Yeah.","start":275.12,"end":275.2,"sentiment":"neutral","sentiment_score":0.07392805814743042},{"text":"Super.","start":275.2,"end":275.7,"sentiment":"neutral","sentiment_score":0.11377855390310287},{"text":"Yep.","start":276.0,"end":276.5,"sentiment":"neutral","sentiment_score":0.0240665003657341},{"text":"So you would be better off just to open an industry fund.","start":279.91998,"end":282.56,"sentiment":"neutral","sentiment_score":-0.021763525049512584}],"sentiment":"neutral","sentiment_score":0.20044574236852072,"num_words":42,"start":262.135,"end":282.56},{"sentences":[{"text":"So in order to kinda hold the super fund that you had previously, we have 24.","start":282.56,"end":286.535,"sentiment":"neutral","sentiment_score":0.03977810696233064},{"text":"They do have a minimum balance requirement.","start":286.535,"end":288.635,"sentiment":"neutral","sentiment_score":0.02642022632062435},{"text":"And because it is a more sophisticated fund, the fees are generally higher.","start":289.655,"end":293.575,"sentiment":"neutral","sentiment_score":0.0036834316471448312},{"text":"So if you are starting again, it would probably be best to go into, like, an industry super fund or something which is cheaper for you to start with.","start":293.575,"end":301.75998,"sentiment":"neutral","sentiment_score":0.045623222687121094},{"text":"And then when and if you build your balance up above that minimum, say, around about 20 to 30,000, then we could have a look at it for you.","start":301.75998,"end":308.9,"sentiment":"neutral","sentiment_score":0.07385702007289591}],"sentiment":"neutral","sentiment_score":0.04610854199037273,"num_words":94,"start":282.56,"end":308.9},{"sentences":[{"text":"But just starting from scratch, it would be best to stick to something cheaper, like an industry fund just to sort of get you started.","start":309.28,"end":316.105,"sentiment":"neutral","sentiment_score":0.0748864010721445},{"text":"And that employer would be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize.","start":316.105,"end":322.92502,"sentiment":"neutral","sentiment_score":0.12481231481901237},{"text":"Absolutely.","start":322.98502,"end":323.48502,"sentiment":"neutral","sentiment_score":0.21464577317237857},{"text":"It's just that, like, Hub twenty four have minimum balances to to start a super that way.","start":324.345,"end":328.58502,"sentiment":"neutral","sentiment_score":0.15705824862508214},{"text":"That's all.","start":328.58502,"end":329.28,"sentiment":"neutral","sentiment_score":0.1125013418495655}],"sentiment":"neutral","sentiment_score":0.11611703459224472,"num_words":73,"start":309.28,"end":329.28},{"sentences":[{"text":"Yeah.","start":330.96,"end":331.46,"sentiment":"neutral","sentiment_score":0.22716182470321655},{"text":"Easy.","start":331.52,"end":332.02,"sentiment":"neutral","sentiment_score":0.2951183021068573},{"text":"Don't wanna eat away your small amount of contributions.","start":332.16,"end":334.32,"sentiment":"neutral","sentiment_score":0.025753054353925917},{"text":"If you if you are able to get back to work again, building up is a good thing.","start":334.32,"end":337.94,"sentiment":"neutral","sentiment_score":0.24339832365512848},{"text":"We don't wanna have fees eating that away.","start":338.16,"end":340.24,"sentiment":"neutral","sentiment_score":-0.03469603485427797}],"sentiment":"neutral","sentiment_score":0.13128808548522963,"num_words":37,"start":330.96,"end":340.24},{"sentences":[{"text":"So, yeah, absolutely keep me in the loop and keep me updated.","start":340.24,"end":343.05502,"sentiment":"neutral","sentiment_score":0.09780990425497293},{"text":"And wondering if you want me to sort of have a look at things, I absolutely can for you.","start":343.05502,"end":346.915,"sentiment":"neutral","sentiment_score":0.14965007414943293},{"text":"Yeah.","start":348.49503,"end":348.99503,"sentiment":"neutral","sentiment_score":0.23908686637878415},{"text":"All good.","start":349.695,"end":350.515,"sentiment":"positive","sentiment_score":0.5414058864116669},{"text":"Yeah.","start":353.79,"end":354.29,"sentiment":"positive","sentiment_score":0.33818790316581726}],"sentiment":"neutral","sentiment_score":0.16220448006476676,"num_words":35,"start":340.24,"end":354.29},{"sentences":[{"text":"All good.","start":354.51,"end":355.07,"sentiment":"positive","sentiment_score":0.3898557275533676},{"text":"Well, feel free to give me a call if you do have other questions or need anything else.","start":355.07,"end":358.43,"sentiment":"neutral","sentiment_score":0.3143926163514455},{"text":"I'm always here and happy to help.","start":358.43,"end":360.05,"sentiment":"positive","sentiment_score":0.5438040580068316},{"text":"No worries at all, Ben.","start":363.71,"end":364.99,"sentiment":"neutral","sentiment_score":0.2745837211608887},{"text":"Good luck, and, hopefully, it all goes well.","start":364.99,"end":367.15,"sentiment":"positive","sentiment_score":0.5712932273745537}],"sentiment":"positive","sentiment_score":0.4047167845070362,"num_words":40,"start":354.51,"end":367.15},{"sentences":[{"text":"Keep me updated.","start":367.15,"end":368.05,"sentiment":"positive","sentiment_score":0.38519911964734393},{"text":"All good.","start":371.725,"end":372.465,"sentiment":"neutral","sentiment_score":0.31672343611717224},{"text":"Thanks so much, Ben.","start":375.39093,"end":376.27094,"sentiment":"positive","sentiment_score":0.44799434393644333},{"text":"I'll talk to you soon.","start":376.27094,"end":377.41092,"sentiment":"neutral","sentiment_score":0.2460748314857483},{"text":"You too.","start":379.63092,"end":380.35092,"sentiment":"positive","sentiment_score":0.6012541055679321}],"sentiment":"positive","sentiment_score":0.3758689984679222,"num_words":16,"start":367.15,"end":380.35092},{"sentences":[{"text":"Thank you.","start":380.35092,"end":381.17093,"sentiment":"positive","sentiment_score":0.778219997882843},{"text":"See you later.","start":384.11093,"end":384.93094,"sentiment":"positive","sentiment_score":0.5757298668225607}],"sentiment":"positive","sentiment_score":0.6567259192466736,"num_words":5,"start":380.35092,"end":384.93094}]}}]},{"alternatives":[{"transcript":"You're great, Dan. How are you doing? Yeah. Not too bad. I can barely hear you. No. Not really. I'm sorry. I can't hear you, but I can barely hear you. Basically, I have a couple of questions. Remember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't Oh, okay. I thought I was not able to go back to work. Oh, okay. Yep. No. That makes it whole bit easier then. I've just been offered a offered a role in operating, basically, earth machinery. So I wasn't too sure that I was allowed to go back to that or allowed to do it. Yeah. Well, to be honest, I'm not sure if I can or not. I mean, I haven't tried it. So, you know, only Tom would tell. Do you know what I mean? So but without trying, I'm like, no. Yeah. So I just didn't wanna start working again, and then all of a sudden, I get in trouble. You know what I mean? So No. Well, I still got the most of the money. So and because I've got that in the bank, they won't sign me up because I have too much in the bank. So I wanna stay away from them if I can anyway. So but, yeah, the the next thing was to sort of run out of money and then go back on the on the disability, but because they won't put me on it. Then what? Because, you know, if I go back in the doll, they're gonna put me on job search. So that's why I was really worried about, yeah, what can I do legally? Yeah. Well, that's it. At at the moment, the money is going pretty quickly, and I'm I'm finding it pretty hard to get out of bed every day. So Yep. Okay. Beautiful. Alright. Let's yeah. That clear that. Awesome. Awesome. No. That was basically about it to see if I could go back to work and and what I couldn't couldn't do. Yeah. Yeah. Yeah. Obviously, I'm a lot better now, but I still have issues with the left side. But, you know, I've gotta get on with it, I suppose. Yeah. Don't know where I'm gonna be in the next year or two. So Yep. Now if I do start work again, and, obviously, I'll have to start paying what do you call it? Sorry. Can I start it back up with you guys again? Or Yep. Yep. No. That's fine. That's No. That's alright. Yep. No worries. Awesome. Awesome. Awesome. That's good news. No worries. Alright. Thank you very much. Will do. Will do. Yeah. Alright. No worries. Alright. Enjoy the rest of your day. No worries. Thank you. 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How are you doing? Yeah. Not too bad. I can barely hear you.\n\nNo. Not really. I'm sorry. I can't hear you, but I can barely hear you. Basically, I have a couple of questions.\n\nRemember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't Oh, okay. I thought I was not able to go back to work. Oh, okay. Yep. No.\n\nThat makes it whole bit easier then. I've just been offered a offered a role in operating, basically, earth machinery. So I wasn't too sure that I was allowed to go back to that or allowed to do it. Yeah. Well, to be honest, I'm not sure if I can or not.\n\nI mean, I haven't tried it. So, you know, only Tom would tell. Do you know what I mean? So but without trying, I'm like, no. Yeah.\n\nSo I just didn't wanna start working again, and then all of a sudden, I get in trouble. You know what I mean? So No. Well, I still got the most of the money. So and because I've got that in the bank, they won't sign me up because I have too much in the bank.\n\nSo I wanna stay away from them if I can anyway. So but, yeah, the the next thing was to sort of run out of money and then go back on the on the disability, but because they won't put me on it. Then what? Because, you know, if I go back in the doll, they're gonna put me on job search. So that's why I was really worried about, yeah, what can I do legally?\n\nYeah. Well, that's it. At at the moment, the money is going pretty quickly, and I'm I'm finding it pretty hard to get out of bed every day. So Yep. Okay.\n\nBeautiful. Alright. Let's yeah. That clear that. Awesome.\n\nAwesome. No. That was basically about it to see if I could go back to work and and what I couldn't couldn't do. Yeah. Yeah.\n\nYeah. Obviously, I'm a lot better now, but I still have issues with the left side. But, you know, I've gotta get on with it, I suppose. Yeah. Don't know where I'm gonna be in the next year or two.\n\nSo Yep. Now if I do start work again, and, obviously, I'll have to start paying what do you call it? Sorry. Can I start it back up with you guys again? Or Yep.\n\nYep. No. That's fine. That's No. That's alright.\n\nYep. No worries. Awesome. Awesome. Awesome.\n\nThat's good news. No worries. Alright. Thank you very much. Will do.\n\nWill do. Yeah. Alright. No worries. Alright.\n\nEnjoy the rest of your day. No worries. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"You're great, Dan.","start":3.12,"end":3.84,"sentiment":"positive","sentiment_score":0.7034873565038046},{"text":"How are you doing?","start":3.84,"end":4.66,"sentiment":"positive","sentiment_score":0.4701787903904915},{"text":"Yeah.","start":6.72,"end":6.96,"sentiment":"neutral","sentiment_score":0.08449988812208176},{"text":"Not too bad.","start":6.96,"end":7.6,"sentiment":"neutral","sentiment_score":0.07146183401346207},{"text":"I can barely hear you.","start":7.6,"end":8.9,"sentiment":"neutral","sentiment_score":-0.023601809144020082}],"sentiment":"neutral","sentiment_score":0.2607533484697342,"num_words":16,"start":3.12,"end":8.9},{"sentences":[{"text":"No.","start":12.32,"end":12.559999,"sentiment":"neutral","sentiment_score":-0.08273224532604218},{"text":"Not really.","start":12.559999,"end":13.299999,"sentiment":"neutral","sentiment_score":-0.08343303576111794},{"text":"I'm sorry.","start":17.055,"end":17.295,"sentiment":"neutral","sentiment_score":-0.06096654571592808},{"text":"I can't hear you, but I can barely hear you.","start":17.295,"end":19.475,"sentiment":"neutral","sentiment_score":-0.06685959324240684},{"text":"Basically, I have a couple of questions.","start":22.415,"end":24.035,"sentiment":"neutral","sentiment_score":-0.00047148245253733227}],"sentiment":"neutral","sentiment_score":-0.047428532630543814,"num_words":22,"start":12.32,"end":24.035},{"sentences":[{"text":"Remember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't Oh, okay.","start":25.775,"end":68.22,"sentiment":"neutral","sentiment_score":-0.041410315367910594},{"text":"I thought I was not able to go back to work.","start":68.22,"end":70.48,"sentiment":"neutral","sentiment_score":-0.086933924223889},{"text":"Oh, okay.","start":97.28,"end":97.92,"sentiment":"neutral","sentiment_score":0.05045393854379654},{"text":"Yep.","start":97.92,"end":98.24,"sentiment":"neutral","sentiment_score":0.06656989455223083},{"text":"No.","start":98.24,"end":98.4,"sentiment":"neutral","sentiment_score":0.09068477898836136}],"sentiment":"neutral","sentiment_score":-0.04324259835162333,"num_words":42,"start":25.775,"end":98.4},{"sentences":[{"text":"That makes it whole bit easier then.","start":98.4,"end":100.26,"sentiment":"neutral","sentiment_score":0.1805907040834427},{"text":"I've just been offered a offered a role in operating, basically, earth machinery.","start":100.275,"end":106.535,"sentiment":"neutral","sentiment_score":0.0817267419053958},{"text":"So I wasn't too sure that I was allowed to go back to that or allowed to do it.","start":106.835,"end":112.455,"sentiment":"neutral","sentiment_score":-0.28315850778629903},{"text":"Yeah.","start":122.43,"end":122.75,"sentiment":"neutral","sentiment_score":0.061885274946689606},{"text":"Well, to be honest, I'm not sure if I can or not.","start":122.75,"end":124.75,"sentiment":"neutral","sentiment_score":-0.14981629777078828}],"sentiment":"neutral","sentiment_score":-0.09210268024785015,"num_words":52,"start":98.4,"end":124.75},{"sentences":[{"text":"I mean, I haven't tried it.","start":124.75,"end":125.87,"sentiment":"neutral","sentiment_score":-0.1623888462781906},{"text":"So, you know, only Tom would tell.","start":125.87,"end":127.87,"sentiment":"neutral","sentiment_score":-0.061431956610509326},{"text":"Do you know what I mean?","start":127.87,"end":128.75,"sentiment":"neutral","sentiment_score":-0.06508556380867958},{"text":"So but without trying, I'm like, no.","start":128.75,"end":131.94499,"sentiment":"neutral","sentiment_score":-0.11330546758004598},{"text":"Yeah.","start":132.72499,"end":132.965,"sentiment":"neutral","sentiment_score":-0.07786227017641068}],"sentiment":"neutral","sentiment_score":-0.09873595185301921,"num_words":27,"start":124.75,"end":132.965},{"sentences":[{"text":"So I just didn't wanna start working again, and then all of a sudden, I get in trouble.","start":132.965,"end":137.125,"sentiment":"neutral","sentiment_score":-0.25035217569934},{"text":"You know what I mean?","start":137.125,"end":137.92499,"sentiment":"neutral","sentiment_score":-0.10128205865621567},{"text":"So No.","start":137.92499,"end":148.83,"sentiment":"neutral","sentiment_score":-0.10132541507482529},{"text":"Well, I still got the most of the money.","start":148.83,"end":150.67,"sentiment":"neutral","sentiment_score":-0.11466650085316764},{"text":"So and because I've got that in the bank, they won't sign me up because I have too much in the bank.","start":150.67,"end":155.62999,"sentiment":"neutral","sentiment_score":-0.12082419883121144}],"sentiment":"neutral","sentiment_score":-0.15902734228542872,"num_words":56,"start":132.965,"end":155.62999},{"sentences":[{"text":"So I wanna stay away from them if I can anyway.","start":155.62999,"end":158.94499,"sentiment":"neutral","sentiment_score":-0.19752564958550714},{"text":"So but, yeah, the the next thing was to sort of run out of money and then go back on the on the disability, but because they won't put me on it.","start":158.94499,"end":166.72499,"sentiment":"neutral","sentiment_score":-0.1859049079939723},{"text":"Then what?","start":167.58499,"end":168.14499,"sentiment":"neutral","sentiment_score":-0.0858657956123352},{"text":"Because, you know, if I go back in the doll, they're gonna put me on job search.","start":168.14499,"end":170.82,"sentiment":"neutral","sentiment_score":-0.1374109347953516},{"text":"So that's why I was really worried about, yeah, what can I do legally?","start":171.14001,"end":174.68001,"sentiment":"neutral","sentiment_score":-0.11795099971017667}],"sentiment":"neutral","sentiment_score":-0.16158908789389229,"num_words":76,"start":155.62999,"end":174.68001},{"sentences":[{"text":"Yeah.","start":190.22499,"end":190.385,"sentiment":"neutral","sentiment_score":0.05402443557977677},{"text":"Well, that's it.","start":190.385,"end":191.265,"sentiment":"neutral","sentiment_score":-0.01424803833166758},{"text":"At at the moment, the money is going pretty quickly, and I'm I'm finding it pretty hard to get out of bed every day.","start":191.265,"end":196.78499,"sentiment":"neutral","sentiment_score":-0.32288912683725357},{"text":"So Yep.","start":196.78499,"end":219.315,"sentiment":"neutral","sentiment_score":0.024951241910457618},{"text":"Okay.","start":219.695,"end":220.195,"sentiment":"neutral","sentiment_score":0.1565316915512085}],"sentiment":"neutral","sentiment_score":-0.24295563058507058,"num_words":31,"start":190.22499,"end":220.195},{"sentences":[{"text":"Beautiful.","start":220.255,"end":220.755,"sentiment":"positive","sentiment_score":0.6100481152534485},{"text":"Alright.","start":222.335,"end":222.835,"sentiment":"positive","sentiment_score":0.34342607855796814},{"text":"Let's yeah.","start":224.255,"end":224.815,"sentiment":"neutral","sentiment_score":0.2286740243434906},{"text":"That clear that.","start":224.815,"end":225.955,"sentiment":"positive","sentiment_score":0.35182566444079083},{"text":"Awesome.","start":226.20001,"end":226.44,"sentiment":"positive","sentiment_score":0.6803020238876343}],"sentiment":"positive","sentiment_score":0.39332515746355057,"num_words":8,"start":220.255,"end":226.44},{"sentences":[{"text":"Awesome.","start":226.44,"end":226.94,"sentiment":"positive","sentiment_score":0.4924239814281464},{"text":"No.","start":232.36,"end":232.68001,"sentiment":"neutral","sentiment_score":-0.0947810560464859},{"text":"That was basically about it to see if I could go back to work and and what I couldn't couldn't do.","start":232.68001,"end":236.94,"sentiment":"neutral","sentiment_score":-0.09533423894927615},{"text":"Yeah.","start":239.895,"end":240.395,"sentiment":"neutral","sentiment_score":0.04321803152561188},{"text":"Yeah.","start":240.855,"end":241.355,"sentiment":"neutral","sentiment_score":0.0846811980009079}],"sentiment":"neutral","sentiment_score":-0.05905907452106476,"num_words":25,"start":226.44,"end":241.355},{"sentences":[{"text":"Yeah.","start":241.655,"end":241.815,"sentiment":"neutral","sentiment_score":0.04534851759672165},{"text":"Obviously, I'm a lot better now, but I still have issues with the left side.","start":241.815,"end":245.995,"sentiment":"neutral","sentiment_score":-0.08426570960630973},{"text":"But, you know, I've gotta get on with it, I suppose.","start":246.855,"end":250.72499,"sentiment":"neutral","sentiment_score":-0.0779959766024893},{"text":"Yeah.","start":253.02,"end":253.52,"sentiment":"neutral","sentiment_score":-0.03098005428910255},{"text":"Don't know where I'm gonna be in the next year or two.","start":253.74,"end":256.7,"sentiment":"neutral","sentiment_score":-0.07515642109016578}],"sentiment":"neutral","sentiment_score":-0.07523624941240996,"num_words":40,"start":241.655,"end":256.7},{"sentences":[{"text":"So Yep.","start":256.7,"end":269.325,"sentiment":"neutral","sentiment_score":0.02821187861263752},{"text":"Now if I do start work again, and, obviously, I'll have to start paying what do you call it?","start":269.46503,"end":275.48502,"sentiment":"neutral","sentiment_score":-0.01034423757932688},{"text":"Sorry.","start":275.945,"end":276.445,"sentiment":"neutral","sentiment_score":0.016843227669596672},{"text":"Can I start it back up with you guys again?","start":276.825,"end":278.98502,"sentiment":"neutral","sentiment_score":0.011374337133020163},{"text":"Or Yep.","start":278.98502,"end":325.12,"sentiment":"neutral","sentiment_score":0.08381336973980069}],"sentiment":"neutral","sentiment_score":0.004649899461690117,"num_words":34,"start":256.7,"end":325.12},{"sentences":[{"text":"Yep.","start":329.695,"end":330.01498,"sentiment":"neutral","sentiment_score":0.07285355776548386},{"text":"No.","start":330.01498,"end":330.175,"sentiment":"neutral","sentiment_score":0.07504360377788544},{"text":"That's fine.","start":330.175,"end":330.995,"sentiment":"neutral","sentiment_score":0.11560951545834541},{"text":"That's No.","start":331.055,"end":341.55002,"sentiment":"neutral","sentiment_score":0.16945254430174828},{"text":"That's alright.","start":341.55002,"end":342.45,"sentiment":"neutral","sentiment_score":0.111139927059412}],"sentiment":"neutral","sentiment_score":0.11753764189779758,"num_words":8,"start":329.695,"end":342.45},{"sentences":[{"text":"Yep.","start":347.39,"end":347.79,"sentiment":"neutral","sentiment_score":0.09870481491088869},{"text":"No worries.","start":347.79,"end":348.53,"sentiment":"neutral","sentiment_score":0.13142088800668716},{"text":"Awesome.","start":349.31,"end":349.81,"sentiment":"positive","sentiment_score":0.442702054977417},{"text":"Awesome.","start":349.87,"end":350.37,"sentiment":"positive","sentiment_score":0.5644216537475586},{"text":"Awesome.","start":351.95,"end":352.35,"sentiment":"positive","sentiment_score":0.6110347509384155}],"sentiment":"neutral","sentiment_score":0.32995084176460904,"num_words":6,"start":347.39,"end":352.35},{"sentences":[{"text":"That's good news.","start":352.35,"end":353.25,"sentiment":"positive","sentiment_score":0.5751470526059469},{"text":"No worries.","start":360.465,"end":361.205,"sentiment":"neutral","sentiment_score":0.16555704921483994},{"text":"Alright.","start":361.26498,"end":361.76498,"sentiment":"neutral","sentiment_score":0.3069912791252136},{"text":"Thank you very much.","start":362.065,"end":363.125,"sentiment":"positive","sentiment_score":0.5500290095806122},{"text":"Will do.","start":368.73,"end":369.21,"sentiment":"neutral","sentiment_score":0.30810217559337616}],"sentiment":"positive","sentiment_score":0.4316555770734946,"num_words":12,"start":352.35,"end":369.21},{"sentences":[{"text":"Will do.","start":369.21,"end":369.95,"sentiment":"neutral","sentiment_score":0.24722936749458313},{"text":"Yeah.","start":371.69,"end":372.19,"sentiment":"neutral","sentiment_score":0.2115171104669571},{"text":"Alright.","start":373.37,"end":373.87,"sentiment":"neutral","sentiment_score":0.18044579029083252},{"text":"No worries.","start":373.93,"end":374.67,"sentiment":"neutral","sentiment_score":0.2009681835770607},{"text":"Alright.","start":377.61087,"end":378.01086,"sentiment":"neutral","sentiment_score":0.08110230416059494}],"sentiment":"neutral","sentiment_score":0.19563718672309602,"num_words":7,"start":369.21,"end":378.01086},{"sentences":[{"text":"Enjoy the rest of your day.","start":378.01086,"end":379.23087,"sentiment":"positive","sentiment_score":0.6690590679645538},{"text":"No worries.","start":381.6909,"end":382.51086,"sentiment":"positive","sentiment_score":0.4498347342014313},{"text":"Thank you.","start":383.05087,"end":383.79086,"sentiment":"positive","sentiment_score":0.7178722023963928},{"text":"Bye.","start":385.21088,"end":385.71088,"sentiment":"neutral","sentiment_score":-0.08753461390733719}],"sentiment":"positive","sentiment_score":0.5692939697341486,"num_words":11,"start":378.01086,"end":385.71088}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning. This is Dana.\n\nChannel 1: You're great, Dan. How are you doing?\n\nChannel 0: I'm good. Thanks. How are you, Ben?\n\nChannel 1: Yeah. Not too bad. I can barely hear you.\n\nChannel 0: Is that a little bit better?\n\nChannel 1: No. Not really.\n\nChannel 0: I'm not sure.\n\nChannel 1: I'm\n\nChannel 0: Let\n\nChannel 1: sorry. I\n\nChannel 0: me\n\nChannel 1: can't\n\nChannel 0: just\n\nChannel 1: hear\n\nChannel 0: kinda\n\nChannel 1: you, but I\n\nChannel 0: sign\n\nChannel 1: can\n\nChannel 0: up.\n\nChannel 1: barely hear you.\n\nChannel 0: Okay. What can I help you with?\n\nChannel 1: Basically, I have a couple of questions.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: Remember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't\n\nChannel 0: Yes. Yes. You did not at the time. Yeah. Well, I mean, you were TBD.\n\nSo at the time of the claim, your the medical record show that you were not you were not likely to ever go back to work again, but you are absolutely fine to get a job. If you just find a job that you're able to do or you wanna do and you wanna apply for that, there's nothing to say that you can't go back to work again. So you can absolutely find a job and go back to work if you want to. Yeah.\n\nChannel 1: Oh, okay. I thought I was\n\nChannel 0: Yeah.\n\nChannel 1: not able to go back to work.\n\nChannel 0: No. No. It it was just at the time of claim. So in order for you to have that claim successfully processed, all your medical records show that you were unable to get back to work again. But like I know, lots of people who have been CPDs in the past, taken their pay out, and then, you know, all of a sudden found a job, and they're able to find something they can do.\n\nOr with time, they are able to get a new job again. There's nothing wrong with that in any way, shape, or\n\nChannel 1: Oh, okay. Yep. No. That makes it whole bit easier then. I've just been offered a offered a role in\n\nChannel 0: form.\n\nChannel 1: operating, basically, earth machinery. So\n\nChannel 0: Yeah. Yeah. Wow.\n\nChannel 1: I wasn't too sure that I was allowed to go back to that or allowed to do it.\n\nChannel 0: Yeah. No. You absolutely can if that's what you wanna do. Yeah. Yeah.\n\nPerfect. And if you're able to do so, like, with your injuries, absolutely, that, you know, helps you out a lot.\n\nChannel 1: Yeah. Well, to be honest, I'm not sure if I can or not. I mean, I haven't tried it. So, you know, only\n\nChannel 0: Yeah.\n\nChannel 1: Tom would tell. Do you know what I mean? So but without\n\nChannel 0: Yeah.\n\nChannel 1: trying, I'm like, no.\n\nChannel 0: Yeah. No. Completely\n\nChannel 1: Yeah. So\n\nChannel 0: understandable.\n\nChannel 1: I just didn't wanna start working again, and then all of a sudden, I get in trouble. You know what I mean? So\n\nChannel 0: No. No. Absolutely not. No. It's completely fine.\n\nI mean, at the time of the TPD claim, that was all fine. Have you managed to get back onto Centrelink at all, or you've just been avoiding them at all?\n\nChannel 1: No. Well, I still got the most of the money. So and because I've got that in the bank, they won't\n\nChannel 0: Yeah.\n\nChannel 1: sign me up because I have too\n\nChannel 0: Yeah.\n\nChannel 1: much in the bank. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: wanna\n\nChannel 0: Absolutely.\n\nChannel 1: stay away from them if I can anyway. So but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, the the next thing was to sort of run out of money and then go back on the on the disability, but because they won't put me on it. Then what?\n\nChannel 0: Yeah.\n\nChannel 1: Because, you know, if I go back in the doll, they're gonna put me on job search. So that's\n\nChannel 0: Correct.\n\nChannel 1: why I was really worried about, yeah, what can I do legally?\n\nChannel 0: Yeah. I mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible. But, also, you know, it gives you a reason to get up every day, and that's absolutely fine.\n\nChannel 1: Yeah. Well, that's it. At at the moment, the money is going pretty quickly, and I'm I'm finding it pretty hard to get out of bed every day. So\n\nChannel 0: Yeah. No. Of course. Absolutely. But, no, honestly, it's absolutely fine.\n\nYou're able to look for work and go back to work if you find something you can do. They're not gonna ask for the money back in in any way, shape, or form. It's just about knowing that at the time of the TPD claim, you were unable to do that job. All of your medical records showed that, and the claim was successful on that basis. So yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Beautiful.\n\nChannel 0: Easy.\n\nChannel 1: Alright. Let's yeah. That\n\nChannel 0: All\n\nChannel 1: clear\n\nChannel 0: good.\n\nChannel 1: that. Awesome.\n\nChannel 0: Perfect.\n\nChannel 1: Awesome.\n\nChannel 0: Did you have any other questions or anything else that you maybe needed from me at the moment? Or\n\nChannel 1: No. That was basically about it to see if I could go back to\n\nChannel 0: yeah.\n\nChannel 1: work and and what I couldn't couldn't do.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Obviously, I'm a lot better now, but I still have issues with the left side. But, you know, I've gotta get on with it, I suppose.\n\nChannel 0: Yes. Yes. No.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Don't know where I'm gonna be in the next year or two. So\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. Well, hopefully, everything goes really well for you.\n\nAnd, yeah, if you're able to get to this job and start doing a little bit extra work, that would only, you know, provide benefit for you.\n\nChannel 1: Yep. Now if I do start work again, and, obviously, I'll have to start paying what do you call it?\n\nChannel 0: Yeah. Super.\n\nChannel 1: Sorry.\n\nChannel 0: Yep.\n\nChannel 1: Can I start it back up with you guys again? Or\n\nChannel 0: So you would be better off just to open an industry fund. So in order to kinda hold the super fund that you had previously, we have 24. They do have a minimum balance requirement. And because it is a more sophisticated fund, the fees are generally higher. So if you are starting again, it would probably be best to go into, like, an industry super fund or something which is cheaper for you to start with.\n\nAnd then when and if you build your balance up above that minimum, say, around about 20 to 30,000, then we could have a look at it for you. But just starting from scratch, it would be best to stick to something cheaper, like an industry fund just to sort of get you started. And that employer would be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize. Absolutely. It's just\n\nChannel 1: Yep.\n\nChannel 0: that, like, Hub twenty four have minimum balances to to start a super that way. That's all.\n\nChannel 1: Yep. No. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Easy. Don't wanna eat away your small amount of contributions. If you if you are able to get back to work again, building up is a good thing. We don't wanna have fees eating that away. So, yeah, absolutely keep\n\nChannel 1: No.\n\nChannel 0: me\n\nChannel 1: That's\n\nChannel 0: in the loop\n\nChannel 1: alright.\n\nChannel 0: and keep me updated. And wondering if you want me to sort of have a look at things, I absolutely can for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: All\n\nChannel 1: Awesome.\n\nChannel 0: good.\n\nChannel 1: Awesome. That's good news.\n\nChannel 0: Yeah. All good. Well, feel free to give me a call if you do have other questions or need anything else. I'm always here and happy to help.\n\nChannel 1: No worries. Alright. Thank you very much.\n\nChannel 0: No worries at all, Ben. Good luck, and, hopefully, it all goes well. Keep me updated.\n\nChannel 1: Will do. Will do. Yeah.\n\nChannel 0: All good.\n\nChannel 1: Alright. No worries.\n\nChannel 0: Thanks so much, Ben. I'll talk to you soon.\n\nChannel 1: Alright. Enjoy the rest of your day.\n\nChannel 0: You too. Thank you.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.12,"end":1.68,"sentiment":"positive","sentiment_score":0.3580044060945511},{"text":"This is Dana.","start":1.68,"end":2.5,"sentiment":"positive","sentiment_score":0.3443751831849416}],"sentiment":"positive","sentiment_score":0.3498268723487854,"channel":0,"num_words":5,"start":1.12,"end":2.5},{"sentences":[{"text":"You're great, Dan.","start":3.12,"end":3.84,"sentiment":"positive","sentiment_score":0.7034873565038046},{"text":"How are you doing?","start":3.84,"end":4.66,"sentiment":"positive","sentiment_score":0.4701787903904915}],"sentiment":"positive","sentiment_score":0.5701681758676257,"channel":1,"num_words":7,"start":3.12,"end":4.66},{"sentences":[{"text":"I'm 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be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize.","start":316.105,"end":322.92502,"sentiment":"neutral","sentiment_score":0.12481231481901237},{"text":"Absolutely.","start":322.98502,"end":323.48502,"sentiment":"neutral","sentiment_score":0.21464577317237857},{"text":"It's just","start":324.345,"end":324.74503,"sentiment":"neutral","sentiment_score":0.1713578775525093}],"sentiment":"neutral","sentiment_score":0.09489552884855691,"channel":0,"num_words":85,"start":301.75998,"end":324.74503},{"sentences":[{"text":"Yep.","start":324.62,"end":325.12,"sentiment":"neutral","sentiment_score":0.1713189333677292}],"sentiment":"neutral","sentiment_score":0.1713189333677292,"channel":1,"num_words":1,"start":324.62,"end":325.12},{"sentences":[{"text":"that, like, Hub twenty four have minimum balances to to start a super that way.","start":324.74503,"end":328.58502,"sentiment":"neutral","sentiment_score":0.1551516314347585},{"text":"That's all.","start":328.58502,"end":329.28,"sentiment":"neutral","sentiment_score":0.1125013418495655}],"sentiment":"neutral","sentiment_score":0.15013395030708873,"channel":0,"num_words":17,"start":324.74503,"end":329.28},{"sentences":[{"text":"Yep.","start":329.695,"end":330.01498,"sentiment":"neutral","sentiment_score":0.07285355776548386},{"text":"No.","start":330.01498,"end":330.175,"sentiment":"neutral","sentiment_score":0.07504360377788544},{"text":"That's 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loop","start":341.615,"end":342.015,"sentiment":"neutral","sentiment_score":0.09711217383543651}],"sentiment":"neutral","sentiment_score":0.09711217383543651,"channel":0,"num_words":3,"start":341.615,"end":342.015},{"sentences":[{"text":"alright.","start":341.95,"end":342.45,"sentiment":"neutral","sentiment_score":0.1494404524564743}],"sentiment":"neutral","sentiment_score":0.1494404524564743,"channel":1,"num_words":1,"start":341.95,"end":342.45},{"sentences":[{"text":"and keep me updated.","start":342.015,"end":343.05502,"sentiment":"neutral","sentiment_score":0.1504729725420475},{"text":"And wondering if you want me to sort of have a look at things, I absolutely can for you.","start":343.05502,"end":346.915,"sentiment":"neutral","sentiment_score":0.14965007414943293}],"sentiment":"neutral","sentiment_score":0.1497931869133659,"channel":0,"num_words":23,"start":342.015,"end":346.915},{"sentences":[{"text":"Yep.","start":347.39,"end":347.79,"sentiment":"neutral","sentiment_score":0.09870481491088869},{"text":"No 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good news.","start":352.35,"end":353.25,"sentiment":"positive","sentiment_score":0.5751470526059469}],"sentiment":"positive","sentiment_score":0.584118977189064,"channel":1,"num_words":4,"start":351.95,"end":353.25},{"sentences":[{"text":"Yeah.","start":353.79,"end":354.29,"sentiment":"positive","sentiment_score":0.33818790316581726},{"text":"All good.","start":354.51,"end":355.07,"sentiment":"positive","sentiment_score":0.3898557275533676},{"text":"Well, feel free to give me a call if you do have other questions or need anything else.","start":355.07,"end":358.43,"sentiment":"neutral","sentiment_score":0.3143926163514455},{"text":"I'm always here and happy to help.","start":358.43,"end":360.05,"sentiment":"positive","sentiment_score":0.5438040580068316}],"sentiment":"positive","sentiment_score":0.3779855306659426,"channel":0,"num_words":28,"start":353.79,"end":360.05},{"sentences":[{"text":"No worries.","start":360.465,"end":361.205,"sentiment":"neutral","sentiment_score":0.16555704921483994},{"text":"Alright.","start":361.26498,"end":361.76498,"sentiment":"neutral","sentiment_score":0.3069912791252136},{"text":"Thank you very much.","start":362.065,"end":363.125,"sentiment":"positive","sentiment_score":0.5500290095806122}],"sentiment":"positive","sentiment_score":0.40546020226819174,"channel":1,"num_words":7,"start":360.465,"end":363.125},{"sentences":[{"text":"No worries at all, Ben.","start":363.71,"end":364.99,"sentiment":"neutral","sentiment_score":0.2745837211608887},{"text":"Good luck, and, hopefully, it all goes well.","start":364.99,"end":367.15,"sentiment":"positive","sentiment_score":0.5712932273745537},{"text":"Keep me updated.","start":367.15,"end":368.05,"sentiment":"positive","sentiment_score":0.38519911964734393}],"sentiment":"positive","sentiment_score":0.44367886148393154,"channel":0,"num_words":16,"start":363.71,"end":368.05},{"sentences":[{"text":"Will 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later.","start":384.11093,"end":384.93094,"sentiment":"positive","sentiment_score":0.5757298668225607}],"sentiment":"positive","sentiment_score":0.5757298668225607,"channel":0,"num_words":3,"start":384.11093,"end":384.93094},{"sentences":[{"text":"Bye.","start":385.21088,"end":385.71088,"sentiment":"neutral","sentiment_score":-0.08753461390733719}],"sentiment":"neutral","sentiment_score":-0.08753461390733719,"channel":1,"num_words":1,"start":385.21088,"end":385.71088}]},"summary":{"result":"success","short":"Dan spoke with agent Dana about a previous claim with Centrelink and can still find a job if he finds one. The agent explains that Dan can go back to work if he finds a new one and gives Dan extra cash in the bank. The customer is concerned about losing their job due to injuries and previous employer failure. The agent suggests starting with a smaller amount of money and building up a larger amount later. The customer is advised to keep the representative updated on their progress."},"intents":{"segments":[{"text":"Remember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't Yes.","start_word":74,"end_word":99,"intents":[{"intent":"Discuss centreslink coverage","confidence_score":4.609097e-7}]},{"text":"why I was really worried about, yeah, what can I do legally? Yeah.","start_word":605,"end_word":617,"intents":[{"intent":"Obtain legal assistance","confidence_score":0.0066881543}]},{"text":"I mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible.","start_word":618,"end_word":665,"intents":[{"intent":"Retain money","confidence_score":0.0971209}]},{"text":"So in order to kinda hold the super fund that you had previously, we have 24.","start_word":993,"end_word":1008,"intents":[{"intent":"Hold super fund","confidence_score":0.9218812}]},{"text":"me That's in the loop alright. and keep me updated. And wondering if you want me to sort of have a look at things, I absolutely can for you. Yep.","start_word":1208,"end_word":1237,"intents":[{"intent":"Keep up","confidence_score":0.00022560469}]},{"text":"Well, feel free to give me a call if you do have other questions or need anything else. I'm always here and happy to help. No worries. Alright.","start_word":1252,"end_word":1279,"intents":[{"intent":"Help","confidence_score":0.07495101}]}]},"sentiments":{"segments":[{"text":"Good morning. This is Dana. You're great, Dan. How are you doing? I'm good. Thanks.","start_word":0,"end_word":14,"sentiment":"positive","sentiment_score":0.5053443908691406},{"text":"How are you, Ben? Yeah. Not too bad. I can barely hear you. Is that a little bit better? No. Not really. I'm not sure. I'm Let sorry. I me can't just hear kinda you, but I sign can up. barely hear you. Okay. What can I help you with? Basically, I have a couple of questions. Yeah. Sure. Remember how when I got the payer and I was talking to you about Centrelink, how they wouldn't put me on disability because I don't Yes. Yes. You did not at the time. Yeah. Well, I mean, you were TBD. So at the time of the claim, your the medical record show that you were not you were not likely to ever go back to work again, but you are absolutely fine to get a job. If you just find a job that you're able to do or you wanna do and you wanna apply for that, there's nothing to say that you can't go back to work again. So you can absolutely find a job and go back to work if you want to. Yeah. Oh, okay. I thought I was Yeah. not able to go back to work. No. No. It it was just at the time of claim. So in order for you to have that claim successfully processed, all your medical records show that you were unable to get back to work again. But like I know, lots of people who have been CPDs in the past, taken their pay out, and then, you know, all of a sudden found a job, and they're able to find something they can do. Or with time, they are able to get a new job again. There's nothing wrong with that in any way, shape, or Oh, okay. Yep. No. That makes it whole bit easier then. I've just been offered a offered a role in form. operating, basically, earth machinery. So Yeah. Yeah. Wow. I wasn't too sure that I was allowed to go back to that or allowed to do it. Yeah. No. You absolutely can if that's what you wanna do.","start_word":15,"end_word":368,"sentiment":"neutral","sentiment_score":0.019020806140355808},{"text":"Yeah. Yeah. Perfect. And if you're able to do so, like, with your injuries, absolutely, that, you know, helps you out a lot.","start_word":369,"end_word":391,"sentiment":"positive","sentiment_score":0.5924976468086243},{"text":"Yeah. Well, to be honest, I'm not sure if I can or not. I mean, I haven't tried it. So, you know, only Yeah. Tom would tell. Do you know what I mean? So but without Yeah. trying, I'm like, no. Yeah. No. Completely Yeah. So understandable. I just didn't wanna start working again, and then all of a sudden, I get in trouble. You know what I mean? So No. No. Absolutely not. No. It's completely fine. I mean, at the time of the TPD claim, that was all fine. Have you managed to get back onto Centrelink at all, or you've just been avoiding them at all? No. Well, I still got the most of the money. So and because I've got that in the bank, they won't Yeah. sign me up because I have too Yeah. much in the bank. So Yeah. I Yeah. wanna Absolutely. stay away from them if I can anyway. So but, Yeah. yeah, the the next thing was to sort of run out of money and then go back on the on the disability, but because they won't put me on it. Then what? Yeah. Because, you know, if I go back in the doll, they're gonna put me on job search. So that's Correct. why I was really worried about, yeah, what can I do legally? Yeah. I mean, even if you can do this one day a one day a week or something or one day a fortnight, it gives you a little bit extra cash in the bank, kinda helps you to retain the money that you do have as long as possible.","start_word":392,"end_word":665,"sentiment":"neutral","sentiment_score":-0.07574502378702164},{"text":"But, also, you know, it gives you a reason to get up every day, and that's absolutely fine.","start_word":666,"end_word":683,"sentiment":"positive","sentiment_score":0.3631685972213745},{"text":"Yeah. Well, that's it. At at the moment, the money is going pretty quickly, and I'm I'm finding it pretty hard to get out of bed every day. So Yeah. No. Of course. Absolutely. But, no, honestly, it's absolutely fine. You're able to look for work and go back to work if you find something you can do. They're not gonna ask for the money back in in any way, shape, or form. It's just about knowing that at the time of the TPD claim, you were unable to do that job. All of your medical records showed that, and the claim was successful on that basis. So yeah. Yep. Okay. Yep.","start_word":684,"end_word":795,"sentiment":"neutral","sentiment_score":0.030988655984401703},{"text":"Beautiful. Easy. Alright.","start_word":796,"end_word":798,"sentiment":"positive","sentiment_score":0.47429612278938293},{"text":"Let's yeah.","start_word":799,"end_word":800,"sentiment":"neutral","sentiment_score":0.2346262484788895},{"text":"That All clear good. that. Awesome. Perfect. Awesome.","start_word":801,"end_word":808,"sentiment":"positive","sentiment_score":0.49546557664871216},{"text":"Did you have any other questions or anything else that you maybe needed from me at the moment? Or No. That was basically about it to see if I could go back to yeah. work and and what I couldn't couldn't do. Yeah. Absolutely. Yeah. Yeah. Perfect. Yeah. Obviously, I'm a lot better now, but I still have issues with the left side. But, you know, I've gotta get on with it, I suppose. Yes. Yes. No. Yeah. Absolutely. Don't know where I'm gonna be in the next year or two. So Yeah. No. That's okay. That's not a problem at all.","start_word":809,"end_word":910,"sentiment":"neutral","sentiment_score":-0.021028373390436172},{"text":"Well, hopefully, everything goes really well for you.","start_word":911,"end_word":918,"sentiment":"positive","sentiment_score":0.46527308225631714},{"text":"And, yeah, if you're able to get to this job and start doing a little bit extra work, that would only, you know, provide benefit for you. Yep. Now if I do start work again, and, obviously, I'll have to start paying what do you call it? Yeah. Super. Sorry. Yep. Can I start it back up with you guys again? Or So you would be better off just to open an industry fund. So in order to kinda hold the super fund that you had previously, we have 24. They do have a minimum balance requirement. And because it is a more sophisticated fund, the fees are generally higher. So if you are starting again, it would probably be best to go into, like, an industry super fund or something which is cheaper for you to start with. And then when and if you build your balance up above that minimum, say, around about 20 to 30,000, then we could have a look at it for you. But just starting from scratch, it would be best to stick to something cheaper, like an industry fund just to sort of get you started. And that employer would be able to let you know where they, you know, help you open up one or if there's one that you prefer to utilize. Absolutely. It's just Yep. that, like, Hub twenty four have minimum balances to to start a super that way. That's all. Yep. No. That's fine. Yeah. That's Easy. Don't wanna eat away your small amount of contributions. If you if you are able to get back to work again, building up is a good thing. We don't wanna have fees eating that away. So, yeah, absolutely keep No. me That's in the loop alright. and keep me updated. And wondering if you want me to sort of have a look at things, I absolutely can for you. Yep. No worries. Yeah.","start_word":919,"end_word":1240,"sentiment":"neutral","sentiment_score":0.10381983516749388},{"text":"Awesome. All Awesome. good. Awesome. That's good news. Yeah. All good.","start_word":1241,"end_word":1251,"sentiment":"positive","sentiment_score":0.5086698532104492},{"text":"Well, feel free to give me a call if you do have other questions or need anything else.","start_word":1252,"end_word":1269,"sentiment":"neutral","sentiment_score":0.3150632977485657},{"text":"I'm always here and happy to help.","start_word":1270,"end_word":1276,"sentiment":"positive","sentiment_score":0.5167156457901001},{"text":"No worries. Alright.","start_word":1277,"end_word":1279,"sentiment":"neutral","sentiment_score":0.24084365367889404},{"text":"Thank you very much.","start_word":1280,"end_word":1283,"sentiment":"positive","sentiment_score":0.5457390546798706},{"text":"No worries at all, Ben.","start_word":1284,"end_word":1288,"sentiment":"neutral","sentiment_score":0.28603631258010864},{"text":"Good luck, and, hopefully, it all goes well. Keep me updated.","start_word":1289,"end_word":1299,"sentiment":"positive","sentiment_score":0.5256308317184448},{"text":"Will do. Will do. Yeah. All good. Alright. No worries.","start_word":1300,"end_word":1309,"sentiment":"neutral","sentiment_score":0.24598778784275055},{"text":"Thanks so much, Ben.","start_word":1310,"end_word":1313,"sentiment":"positive","sentiment_score":0.4362311363220215},{"text":"I'll talk to you soon. Alright.","start_word":1314,"end_word":1319,"sentiment":"neutral","sentiment_score":0.21330496668815613},{"text":"Enjoy the rest of your day. You too. Thank you. No worries. Thank you. See you later.","start_word":1320,"end_word":1336,"sentiment":"positive","sentiment_score":0.6367161273956299},{"text":"Bye.","start_word":1337,"end_word":1337,"sentiment":"neutral","sentiment_score":0.28430646657943726}],"average":{"sentiment":"neutral","sentiment_score":0.07993672742940061}}}}