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And I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment. And you need such a raise to claim. And I guess I'd repeat after you you have to talk about claims mean and make sure that, I guess, you have the information available to you when the claim is approved. And and I guess just to make sure that you're all kosher on the taxes that are applicable if you did withdraw the money and what your long term goals are once the money is paid out. Did you have time to chat with me now? Alright. Perfect. So yeah. I've got you perfectly. Do you have me? Cool. So with total and permanent disability, when because your superannuation fund is the owner of the policy and you're the life insured, what happens is if you actually pay out the money to your personal bank account before the age of 60, you will pay up to 22% tax on the funds distributed, which can be a bit of a chunk of change. Yeah. So to digress. There are some, I guess, fancy things that can be done that reduce down the amount of tax that is payable. But one of the biggest things with total flexibility is what your long term goals are. Because, obviously, you're not working anymore. It wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term? So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward? Because we're only sitting you know, we're still quite young. Yeah. I love that. No. Absolutely not. Go ahead. So we're we're planning on on just just traveling a little bit. Could can I ask? You have your mhmm. As I said, you have your you you you had the house still, and do you still have that investment property? We got rid of the investment property. That's okay. Alright. So where are you where are you so what what are your living accommodations look like? Yep. Okay. Is is that the long term outcome? Fair. No. That's okay. Alright. So assets wise, we are we only have the car now. We don't have any of the other residential asset. Okay. That's okay. So in terms of income at the moment, are we receiving any form of Centrelink? Have we applied to Centrelink? Perfect. Yep. And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability. We can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink. You can have money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation and everything like that. We can pull the money out when it's needed and not just have it sitting in the bank in cash. So there are definite avenues that we can take to do this. The biggest thing if we wanna go down that pathway is that we actually need to do what's called a dual claim. So while we need to claim under AIA, we would also need to do a claim under your hub twenty four superannuation fund as well. Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four. And I can the claim initiated with hub twenty four from that perspective. All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you. Superannuation claims are a lot quicker than what insurance claims are Because the superannuation fund turns around and goes, it's already your money. We're just gonna let you have it. Whereas the the insurer looks at every different avenue. And not because they're trying to get out of the claim, but because it's obviously still a lot of money on the line with TPD. TPD claims take a long time to assess because you have to meet that total and permanent disability component. It's not just, you know, I'm not feeling a little I'm feeling a little unwell. They obviously have to make make sure legislatively that you meet all of the requirements. So if you're happy, what I'll do is I can get the claim initiated with hub twenty four from a it's it's called a a it's it's basically a TPG claim with Hub twenty four. Get that initiated. If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view. And I can just work with you to get those ones done, and we can go from there. I do know that AIA are waiting to hear back from doctor Leon Lee Leon. They've written to doctor Leon, and they're just waiting for him to respond. Last time I spoke to the claims manager, that's where things were standing. I am I missed them today before they left because I forgot that Daylight Savings hasn't quite finished. So I left myself a little bit late in the afternoon to give them a call, and that already wrapped up. So I'm gonna give them a call tomorrow morning, and, hopefully, I can get that claims manager first thing in the morning and just see where things are at with AIA. Because I I wanna try and, you know, make sure things are wrapped up soon ish. I know you've been going on for a little bit. Realistically, TPD claims, anything under three months, you are laughing, and that is a quick claim. Generally, TPD claims are six plus months to get them through and over the line. I've been doing claims for the better part of five years, and TPD, the biggest pain, but also, I guess, one of the most intensive and and document heavy requirements that that exist in the insurance world. So from an advice perspective, I wanna try and help you to pay as little tax as possible. And if you're happy to work with me to get that done, providing you're comfortable for the like, for everything to take a little bit longer and you don't need any immediate money obviously, if you need immediate money, you let me know, and I will make sure that those funds are released to you as quick as possible. But if you're happy for me to take a little bit longer, I can work my magic and make it so you pay as little tax as possible in the back end. Because what's going to happen is once AIA accept your claim, they are actually gonna set up a brand new superannuation So what happens is my fancy stuff, I can consolidate those two funds, and that's going to see you paying less tax, but it's also gonna mean that all your money's in one place. And then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we can just have the money sitting there invested. And whenever you need money, you can give me a call and say, hey, Larissa. I'm set in sale and I'm going to Bahamas for four months. I need $20. Let's go. And I money out to you within two weeks or less. So does that sound okay? I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can. But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view. Yeah. Alright. Perfect. Well, I love it. Well, I'll get cracking on this side of things and get things sent off to Hub twenty four and basically get a claim initiated. So if you get an email from Hub twenty four, don't be concerned. It's just me working through things. You're, of course, welcome to give me a call. If there's anything that you're concerned about, any questions you may have, we can go from there. Yes. How much are we looking to spend on the top? Okay. So we're gonna need to spend $10 on the car? Yep. Okay. Alright. So what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication with you to say, hey. It's been approved, so on and so forth. It'll either be me or my team, of course. Me from an advice perspective. So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well. And if there's anything if I'm not available, you'll be able to give them the information. They'll definitely pass it along to me. But what what the what what will happen is once the claim's approved, we can then get the money released immediately if if you really, really, really need it. If you wanna hold off and you're happy to jump through the couple of hoops that we need to jump through to get the tax down, then we can do that. But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great. It's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax. Okay. Perfect. I definitely can send you a bit of an email just to explain, a, who I am, and b, to to just, I guess, give you a couple of different act like, tell you exactly what I'm doing step by step. Perfect. And then as we move through, because I'm not sure how close we are to claims, I need to wait to speak to the AAA case manager. But once I have confirmation on how close we are to the claim being approved, it'll give us a bit of a timeline. And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna book holidays. And we can kinda talk through that a little bit more in-depth once the claim's nearing approval. Alright. Perfect. Thank you so much for taking the time to talk with me, Tony. I appreciate it. Thanks, Tony. 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Toni. My name is Larissa from OC Financial. How are you going? That's good to hear. I'm the head of financial advice, so I'm actually a financial planner.\n\nAnd I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment. And you need such a raise to claim. And I guess I'd repeat after you you have to talk about claims mean and make sure that, I guess, you have the information available to you when the claim is approved. And and I guess just to make sure that you're all kosher on the taxes that are applicable if you did withdraw the money and what your long term goals are once the money is paid out. Did you have time to chat with me now?\n\nAlright. Perfect. So yeah. I've got you perfectly. Do you have me?\n\nCool. So with total and permanent disability, when because your superannuation fund is the owner of the policy and you're the life insured, what happens is if you actually pay out the money to your personal bank account before the age of 60, you will pay up to 22% tax on the funds distributed, which can be a bit of a chunk of change. Yeah. So to digress. There are some, I guess, fancy things that can be done that reduce down the amount of tax that is payable.\n\nBut one of the biggest things with total flexibility is what your long term goals are. Because, obviously, you're not working anymore. It wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term? So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward?\n\nBecause we're only sitting you know, we're still quite young. Yeah. I love that. No. Absolutely not.\n\nGo ahead. So we're we're planning on on just just traveling a little bit. Could can I ask? You have your mhmm. As I said, you have your you you you had the house still, and do you still have that investment property?\n\nWe got rid of the investment property. That's okay. Alright. So where are you where are you so what what are your living accommodations look like? Yep.\n\nOkay. Is is that the long term outcome? Fair. No. That's okay.\n\nAlright. So assets wise, we are we only have the car now. We don't have any of the other residential asset. Okay. That's okay.\n\nSo in terms of income at the moment, are we receiving any form of Centrelink? Have we applied to Centrelink? Perfect. Yep. And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability.\n\nWe can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink. You can have money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation and everything like that. We can pull the money out when it's needed and not just have it sitting in the bank in cash. So there are definite avenues that we can take to do this. The biggest thing if we wanna go down that pathway is that we actually need to do what's called a dual claim.\n\nSo while we need to claim under AIA, we would also need to do a claim under your hub twenty four superannuation fund as well. Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four. And I can the claim initiated with hub twenty four from that perspective. All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you. Superannuation claims are a lot quicker than what insurance claims are Because the superannuation fund turns around and goes, it's already your money.\n\nWe're just gonna let you have it. Whereas the the insurer looks at every different avenue. And not because they're trying to get out of the claim, but because it's obviously still a lot of money on the line with TPD. TPD claims take a long time to assess because you have to meet that total and permanent disability component. It's not just, you know, I'm not feeling a little I'm feeling a little unwell.\n\nThey obviously have to make make sure legislatively that you meet all of the requirements. So if you're happy, what I'll do is I can get the claim initiated with hub twenty four from a it's it's called a a it's it's basically a TPG claim with Hub twenty four. Get that initiated. If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view. And I can just work with you to get those ones done, and we can go from there.\n\nI do know that AIA are waiting to hear back from doctor Leon Lee Leon. They've written to doctor Leon, and they're just waiting for him to respond. Last time I spoke to the claims manager, that's where things were standing. I am I missed them today before they left because I forgot that Daylight Savings hasn't quite finished. So I left myself a little bit late in the afternoon to give them a call, and that already wrapped up.\n\nSo I'm gonna give them a call tomorrow morning, and, hopefully, I can get that claims manager first thing in the morning and just see where things are at with AIA. Because I I wanna try and, you know, make sure things are wrapped up soon ish. I know you've been going on for a little bit. Realistically, TPD claims, anything under three months, you are laughing, and that is a quick claim. Generally, TPD claims are six plus months to get them through and over the line.\n\nI've been doing claims for the better part of five years, and TPD, the biggest pain, but also, I guess, one of the most intensive and and document heavy requirements that that exist in the insurance world. So from an advice perspective, I wanna try and help you to pay as little tax as possible. And if you're happy to work with me to get that done, providing you're comfortable for the like, for everything to take a little bit longer and you don't need any immediate money obviously, if you need immediate money, you let me know, and I will make sure that those funds are released to you as quick as possible. But if you're happy for me to take a little bit longer, I can work my magic and make it so you pay as little tax as possible in the back end. Because what's going to happen is once AIA accept your claim, they are actually gonna set up a brand new superannuation So what happens is my fancy stuff, I can consolidate those two funds, and that's going to see you paying less tax, but it's also gonna mean that all your money's in one place.\n\nAnd then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we can just have the money sitting there invested. And whenever you need money, you can give me a call and say, hey, Larissa. I'm set in sale and I'm going to Bahamas for four months. I need $20. Let's go.\n\nAnd I money out to you within two weeks or less. So does that sound okay? I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can. But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view. Yeah.\n\nAlright. Perfect. Well, I love it. Well, I'll get cracking on this side of things and get things sent off to Hub twenty four and basically get a claim initiated. So if you get an email from Hub twenty four, don't be concerned.\n\nIt's just me working through things. You're, of course, welcome to give me a call. If there's anything that you're concerned about, any questions you may have, we can go from there. Yes. How much are we looking to spend on the top?\n\nOkay. So we're gonna need to spend $10 on the car? Yep. Okay. Alright.\n\nSo what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication with you to say, hey. It's been approved, so on and so forth. It'll either be me or my team, of course. Me from an advice perspective. So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well.\n\nAnd if there's anything if I'm not available, you'll be able to give them the information. They'll definitely pass it along to me. But what what the what what will happen is once the claim's approved, we can then get the money released immediately if if you really, really, really need it. If you wanna hold off and you're happy to jump through the couple of hoops that we need to jump through to get the tax down, then we can do that. But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great.\n\nIt's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax. Okay. Perfect. I definitely can send you a bit of an email just to explain, a, who I am, and b, to to just, I guess, give you a couple of different act like, tell you exactly what I'm doing step by step. Perfect.\n\nAnd then as we move through, because I'm not sure how close we are to claims, I need to wait to speak to the AAA case manager. But once I have confirmation on how close we are to the claim being approved, it'll give us a bit of a timeline. And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna book holidays. And we can kinda talk through that a little bit more in-depth once the claim's nearing approval. Alright.\n\nPerfect. Thank you so much for taking the time to talk with me, Tony. I appreciate it. Thanks, Tony. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Toni.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.1709436997771263},{"text":"My name is Larissa from OC Financial.","start":4.16,"end":5.92,"sentiment":"neutral","sentiment_score":0.18362989595958165},{"text":"How are you going?","start":5.92,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.24655163288116455},{"text":"That's good to hear.","start":8.88,"end":10.34,"sentiment":"positive","sentiment_score":0.5499013438820839},{"text":"I'm the head of financial advice, so I'm actually a financial planner.","start":11.679999,"end":15.025,"sentiment":"neutral","sentiment_score":0.1139580054829518}],"sentiment":"neutral","sentiment_score":0.21312429807309446,"num_words":29,"start":3.1999998,"end":15.025},{"sentences":[{"text":"And I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment.","start":15.885,"end":28.49,"sentiment":"neutral","sentiment_score":0.018920676918545116},{"text":"And you need such a raise to claim.","start":30.15,"end":34.809998,"sentiment":"neutral","sentiment_score":-0.014085433911532164},{"text":"And I guess I'd repeat after you you have to talk about claims mean and make sure that, I guess, you have the information available to you when the claim is approved.","start":35.35,"end":47.345,"sentiment":"neutral","sentiment_score":0.01617602029000409},{"text":"And and I guess just to make sure that you're all kosher on the taxes that are applicable if you did withdraw the money and what your long term goals are once the money is paid out.","start":47.345,"end":58.22,"sentiment":"neutral","sentiment_score":0.06056201065311561},{"text":"Did you have time to chat with me now?","start":61.88,"end":63.645,"sentiment":"neutral","sentiment_score":0.16099956548876232}],"sentiment":"neutral","sentiment_score":0.03914659041491505,"num_words":122,"start":15.885,"end":63.645},{"sentences":[{"text":"Alright.","start":66.045,"end":66.365,"sentiment":"neutral","sentiment_score":0.18330368399620056},{"text":"Perfect.","start":66.365,"end":66.865,"sentiment":"neutral","sentiment_score":0.3021812438964844},{"text":"So yeah.","start":67.485,"end":69.885,"sentiment":"neutral","sentiment_score":0.07588387094438076},{"text":"I've got you perfectly.","start":69.885,"end":70.925,"sentiment":"neutral","sentiment_score":0.1495882961899042},{"text":"Do you have me?","start":70.925,"end":71.825,"sentiment":"neutral","sentiment_score":0.0737118637189269}],"sentiment":"neutral","sentiment_score":0.1275377757847309,"num_words":12,"start":66.045,"end":71.825},{"sentences":[{"text":"Cool.","start":74.685,"end":75.185,"sentiment":"positive","sentiment_score":0.3396129608154297},{"text":"So with total and permanent disability, when because your superannuation fund is the owner of the policy and you're the life insured, what happens is if you actually pay out the money to your personal bank account before the age of 60, you will pay up to 22% tax on the funds distributed, which can be a bit of a chunk of change.","start":75.485,"end":102.065,"sentiment":"neutral","sentiment_score":0.06692023989227083},{"text":"Yeah.","start":103.5,"end":103.74,"sentiment":"neutral","sentiment_score":-0.010439084842801094},{"text":"So to digress.","start":103.74,"end":104.64,"sentiment":"neutral","sentiment_score":-0.012556808302178979},{"text":"There are some, I guess, fancy things that can be done that reduce down the amount of tax that is payable.","start":106.86,"end":114.96,"sentiment":"neutral","sentiment_score":0.010340386558146704}],"sentiment":"neutral","sentiment_score":0.05308569305618241,"num_words":89,"start":74.685,"end":114.96},{"sentences":[{"text":"But one of the biggest things with total flexibility is what your long term goals are.","start":116.715,"end":123.674995,"sentiment":"neutral","sentiment_score":0.0930191702209413},{"text":"Because, obviously, you're not working anymore.","start":123.674995,"end":125.775,"sentiment":"neutral","sentiment_score":-0.19371611004074415},{"text":"It wasn't in the life plan originally for you to go down this avenue.","start":125.994995,"end":129.935,"sentiment":"neutral","sentiment_score":-0.07095128510679517},{"text":"But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term?","start":130.29,"end":142.62999,"sentiment":"neutral","sentiment_score":0.21145261306729582},{"text":"So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward?","start":145.08499,"end":160.54999,"sentiment":"neutral","sentiment_score":0.2974142812344493}],"sentiment":"neutral","sentiment_score":0.17783707374137295,"num_words":121,"start":116.715,"end":160.54999},{"sentences":[{"text":"Because we're only sitting you know, we're still quite young.","start":160.84999,"end":164.54999,"sentiment":"neutral","sentiment_score":-0.007078883051872253},{"text":"Yeah.","start":175.675,"end":176.175,"sentiment":"neutral","sentiment_score":0.044630732387304306},{"text":"I love that.","start":182.97,"end":184.03,"sentiment":"positive","sentiment_score":0.3702225188414256},{"text":"No.","start":187.13,"end":187.53,"sentiment":"neutral","sentiment_score":-0.20539531111717224},{"text":"Absolutely not.","start":187.53,"end":189.15001,"sentiment":"neutral","sentiment_score":-0.17508799210190773}],"sentiment":"neutral","sentiment_score":0.03111400959246299,"num_words":17,"start":160.84999,"end":189.15001},{"sentences":[{"text":"Go ahead.","start":191.77,"end":192.51001,"sentiment":"neutral","sentiment_score":-0.0610826350748539},{"text":"So we're we're planning on on just just traveling a little bit.","start":194.66501,"end":201.38501,"sentiment":"neutral","sentiment_score":0.06828208578129609},{"text":"Could can I ask?","start":201.38501,"end":202.345,"sentiment":"neutral","sentiment_score":0.03608281631022692},{"text":"You have your mhmm.","start":202.345,"end":205.005,"sentiment":"neutral","sentiment_score":0.006303674075752497},{"text":"As I said, you have your you you you had the house still, and do you still have that investment property?","start":207.72,"end":213.1,"sentiment":"neutral","sentiment_score":-0.014142381515176524}],"sentiment":"neutral","sentiment_score":0.013250597882582697,"num_words":43,"start":191.77,"end":213.1},{"sentences":[{"text":"We got rid of the investment property.","start":216.04001,"end":217.40001,"sentiment":"neutral","sentiment_score":-0.12338424048253469},{"text":"That's okay.","start":217.40001,"end":218.22,"sentiment":"neutral","sentiment_score":0.010626029514241964},{"text":"Alright.","start":224.145,"end":224.465,"sentiment":"neutral","sentiment_score":0.05075938627123833},{"text":"So where are you where are you so what what are your living accommodations look like?","start":224.465,"end":231.44499,"sentiment":"neutral","sentiment_score":0.018845042097382247},{"text":"Yep.","start":234.24,"end":234.74,"sentiment":"neutral","sentiment_score":0.013413789682090282}],"sentiment":"neutral","sentiment_score":-0.017657176845844974,"num_words":27,"start":216.04001,"end":234.74},{"sentences":[{"text":"Okay.","start":235.84,"end":236.34,"sentiment":"neutral","sentiment_score":0.019208025187253952},{"text":"Is is that the long term outcome?","start":237.52,"end":239.94,"sentiment":"neutral","sentiment_score":0.011912607987012182},{"text":"Fair.","start":245.69499,"end":246.015,"sentiment":"neutral","sentiment_score":-0.09674952924251556},{"text":"No.","start":246.015,"end":246.255,"sentiment":"neutral","sentiment_score":-0.16647642850875854},{"text":"That's okay.","start":246.255,"end":247.155,"sentiment":"neutral","sentiment_score":-0.0779888778924942}],"sentiment":"neutral","sentiment_score":-0.02638395270332694,"num_words":12,"start":235.84,"end":247.155},{"sentences":[{"text":"Alright.","start":248.255,"end":248.735,"sentiment":"neutral","sentiment_score":0.011670119129121304},{"text":"So assets wise, we are we only have the car now.","start":248.735,"end":251.135,"sentiment":"neutral","sentiment_score":-0.007611949335445057},{"text":"We don't have any of the other residential asset.","start":251.135,"end":255.635,"sentiment":"neutral","sentiment_score":-0.015453785037000975},{"text":"Okay.","start":256.175,"end":256.575,"sentiment":"neutral","sentiment_score":0.04076876491308212},{"text":"That's okay.","start":256.575,"end":257.315,"sentiment":"neutral","sentiment_score":0.0675286054611206}],"sentiment":"neutral","sentiment_score":-0.0014716422107691567,"num_words":24,"start":248.255,"end":257.315},{"sentences":[{"text":"So in terms of income at the moment, are we receiving any form of Centrelink?","start":258.255,"end":265.11,"sentiment":"neutral","sentiment_score":0.02531075527270635},{"text":"Have we applied to Centrelink?","start":265.41,"end":267.19,"sentiment":"neutral","sentiment_score":0.019156205281615258},{"text":"Perfect.","start":271.09,"end":271.59,"sentiment":"neutral","sentiment_score":0.32064229249954224},{"text":"Yep.","start":274.755,"end":275.235,"sentiment":"neutral","sentiment_score":0.12325384467840196},{"text":"And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability.","start":275.235,"end":284.35498,"sentiment":"neutral","sentiment_score":0.11324613609097221}],"sentiment":"neutral","sentiment_score":0.07751712469722737,"num_words":44,"start":258.255,"end":284.35498},{"sentences":[{"text":"We can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink.","start":284.35498,"end":293.31,"sentiment":"neutral","sentiment_score":0.1298089546079819},{"text":"You can have money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation and everything like that.","start":309.255,"end":317.495,"sentiment":"neutral","sentiment_score":0.1066138021134097},{"text":"We can pull the money out when it's needed and not just have it sitting in the bank in cash.","start":317.495,"end":322.63,"sentiment":"neutral","sentiment_score":0.17086782343685628},{"text":"So there are definite avenues that we can take to do this.","start":323.41,"end":327.19,"sentiment":"positive","sentiment_score":0.34267351031303406},{"text":"The biggest thing if we wanna go down that pathway is that we actually need to do what's called a dual claim.","start":327.57,"end":334.31,"sentiment":"neutral","sentiment_score":0.10622756318612532}],"sentiment":"neutral","sentiment_score":0.14984658774022663,"num_words":109,"start":284.35498,"end":334.31},{"sentences":[{"text":"So while we need to claim under AIA, we would also need to do a claim under your hub twenty four superannuation fund as well.","start":334.965,"end":344.505,"sentiment":"neutral","sentiment_score":0.07829383179545403},{"text":"Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four.","start":344.64502,"end":353.38998,"sentiment":"positive","sentiment_score":0.49241100065410137},{"text":"And I can the claim initiated with hub twenty four from that perspective.","start":355.69,"end":360.27,"sentiment":"positive","sentiment_score":0.40800461173057556},{"text":"All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you.","start":360.88998,"end":370.285,"sentiment":"positive","sentiment_score":0.4878611471503973},{"text":"Superannuation claims are a lot quicker than what insurance claims are Because the superannuation fund turns around and goes, it's already your money.","start":371.385,"end":379.72,"sentiment":"neutral","sentiment_score":0.11797343356453854}],"sentiment":"neutral","sentiment_score":0.3307480275928974,"num_words":125,"start":334.965,"end":379.72},{"sentences":[{"text":"We're just gonna let you have it.","start":379.72,"end":381.18,"sentiment":"neutral","sentiment_score":0.2581939228943416},{"text":"Whereas the the insurer looks at every different avenue.","start":381.24,"end":385.1,"sentiment":"neutral","sentiment_score":-0.04037326491541333},{"text":"And not because they're trying to get out of the claim, but because it's obviously still a lot of money on the line with TPD.","start":385.88,"end":391.88498,"sentiment":"neutral","sentiment_score":-0.09025489956140519},{"text":"TPD claims take a long time to assess because you have to meet that total and permanent disability component.","start":392.66498,"end":400.365,"sentiment":"neutral","sentiment_score":-0.15593428047079788},{"text":"It's not just, you know, I'm not feeling a little I'm feeling a little unwell.","start":402.185,"end":406.07,"sentiment":"neutral","sentiment_score":-0.3156480133533478}],"sentiment":"neutral","sentiment_score":-0.11346461256345113,"num_words":75,"start":379.72,"end":406.07},{"sentences":[{"text":"They obviously have to make make sure legislatively that you meet all of the requirements.","start":406.45,"end":410.63,"sentiment":"neutral","sentiment_score":-0.2358551820119222},{"text":"So if you're happy, what I'll do is I can get the claim initiated with hub twenty four from a it's it's called a a it's it's basically a TPG claim with Hub twenty four.","start":412.37,"end":427.315,"sentiment":"neutral","sentiment_score":0.1655332150203841},{"text":"Get that initiated.","start":428.095,"end":428.99503,"sentiment":"neutral","sentiment_score":0.14630806942780814},{"text":"If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view.","start":429.135,"end":438.55002,"sentiment":"neutral","sentiment_score":-0.0009670628968513373},{"text":"And I can just work with you to get those ones done, and we can go from there.","start":440.45,"end":444.69,"sentiment":"neutral","sentiment_score":0.2410809819897016}],"sentiment":"neutral","sentiment_score":0.06732984234650548,"num_words":104,"start":406.45,"end":444.69},{"sentences":[{"text":"I do know that AIA are waiting to hear back from doctor Leon Lee Leon.","start":444.69,"end":453.80502,"sentiment":"neutral","sentiment_score":0.03997202043732007},{"text":"They've written to doctor Leon, and they're just waiting for him to respond.","start":455.14502,"end":458.92502,"sentiment":"neutral","sentiment_score":0.03168851266113611},{"text":"Last time I spoke to the claims manager, that's where things were standing.","start":460.105,"end":463.005,"sentiment":"neutral","sentiment_score":-0.012186938896775246},{"text":"I am I missed them today before they left because I forgot that Daylight Savings hasn't quite finished.","start":463.545,"end":469.06,"sentiment":"neutral","sentiment_score":-0.10573778880967034},{"text":"So I left myself a little bit late in the afternoon to give them a call, and that already wrapped up.","start":470.72,"end":476.66,"sentiment":"neutral","sentiment_score":-0.08735569025434199}],"sentiment":"neutral","sentiment_score":-0.03605811160523444,"num_words":80,"start":444.69,"end":476.66},{"sentences":[{"text":"So I'm gonna give them a call tomorrow morning, and, hopefully, I can get that claims manager first thing in the morning and just see where things are at with AIA.","start":477.595,"end":484.175,"sentiment":"neutral","sentiment_score":0.12706532761935266},{"text":"Because I I wanna try and, you know, make sure things are wrapped up soon ish.","start":484.555,"end":487.835,"sentiment":"neutral","sentiment_score":0.04428250319324434},{"text":"I know you've been going on for a little bit.","start":487.835,"end":489.84,"sentiment":"neutral","sentiment_score":-0.09986929856240749},{"text":"Realistically, TPD claims, anything under three months, you are laughing, and that is a quick claim.","start":490.32,"end":497.54,"sentiment":"neutral","sentiment_score":-0.16429231129586697},{"text":"Generally, TPD claims are six plus months to get them through and over the line.","start":497.91998,"end":501.94,"sentiment":"neutral","sentiment_score":-0.12324984023968379}],"sentiment":"neutral","sentiment_score":-0.009415595030242746,"num_words":88,"start":477.595,"end":501.94},{"sentences":[{"text":"I've been doing claims for the better part of five years, and TPD, the biggest pain, but also, I guess, one of the most intensive and and document heavy requirements that that exist in the insurance world.","start":502.195,"end":522.63,"sentiment":"neutral","sentiment_score":-0.2458196507917868},{"text":"So from an advice perspective, I wanna try and help you to pay as little tax as possible.","start":524.77,"end":530.39,"sentiment":"neutral","sentiment_score":0.06844068732526568},{"text":"And if you're happy to work with me to get that done, providing you're comfortable for the like, for everything to take a little bit longer and you don't need any immediate money obviously, if you need immediate money, you let me know, and I will make sure that those funds are released to you as quick as possible.","start":532.365,"end":548.69,"sentiment":"neutral","sentiment_score":0.1003527833874953},{"text":"But if you're happy for me to take a little bit longer, I can work my magic and make it so you pay as little tax as possible in the back end.","start":548.99005,"end":557.73004,"sentiment":"neutral","sentiment_score":0.3121621391037479},{"text":"Because what's going to happen is once AIA accept your claim, they are actually gonna set up a brand new superannuation So what happens is my fancy stuff, I can consolidate those two funds, and that's going to see you paying less tax, but it's also gonna mean that all your money's in one place.","start":558.605,"end":586.495,"sentiment":"neutral","sentiment_score":0.27573939778588036}],"sentiment":"neutral","sentiment_score":0.11548395443763305,"num_words":201,"start":502.195,"end":586.495},{"sentences":[{"text":"And then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we can just have the money sitting there invested.","start":586.955,"end":604.18,"sentiment":"neutral","sentiment_score":0.05459276748607393},{"text":"And whenever you need money, you can give me a call and say, hey, Larissa.","start":604.48,"end":607.86,"sentiment":"neutral","sentiment_score":0.05047089805205663},{"text":"I'm set in sale and I'm going to Bahamas for four months.","start":608.63995,"end":611.45996,"sentiment":"neutral","sentiment_score":0.0359006275733312},{"text":"I need $20.","start":611.68,"end":612.72,"sentiment":"neutral","sentiment_score":0.03639178474744161},{"text":"Let's go.","start":612.72,"end":613.45996,"sentiment":"neutral","sentiment_score":0.0582676287740469}],"sentiment":"neutral","sentiment_score":0.05100796161399734,"num_words":93,"start":586.955,"end":613.45996},{"sentences":[{"text":"And I money out to you within two weeks or less.","start":615.175,"end":619.115,"sentiment":"neutral","sentiment_score":0.19220794195478613},{"text":"So does that sound okay?","start":624.215,"end":625.41504,"sentiment":"neutral","sentiment_score":0.07175668552517891},{"text":"I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can.","start":625.41504,"end":630.07,"sentiment":"neutral","sentiment_score":0.14614868773655457},{"text":"But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view.","start":630.07,"end":634.97,"sentiment":"neutral","sentiment_score":0.007705288007855415},{"text":"Yeah.","start":637.83,"end":638.31,"sentiment":"neutral","sentiment_score":0.10204614698886871}],"sentiment":"neutral","sentiment_score":0.1007541326521817,"num_words":59,"start":615.175,"end":638.31},{"sentences":[{"text":"Alright.","start":638.31,"end":638.81,"sentiment":"neutral","sentiment_score":0.16427549719810486},{"text":"Perfect.","start":639.19,"end":639.69,"sentiment":"positive","sentiment_score":0.6187164783477783},{"text":"Well, I love it.","start":639.91,"end":642.31,"sentiment":"positive","sentiment_score":0.7084289342164993},{"text":"Well, I'll get cracking on this side of things and get things sent off to Hub twenty four and basically get a claim initiated.","start":642.31,"end":648.415,"sentiment":"neutral","sentiment_score":0.2886617984622717},{"text":"So if you get an email from Hub twenty four, don't be concerned.","start":649.03503,"end":651.995,"sentiment":"neutral","sentiment_score":0.15202428285892194}],"sentiment":"neutral","sentiment_score":0.29118387331796247,"num_words":43,"start":638.31,"end":651.995},{"sentences":[{"text":"It's just me working through things.","start":651.995,"end":654.335,"sentiment":"neutral","sentiment_score":0.253753458460172},{"text":"You're, of course, welcome to give me a call.","start":654.395,"end":656.735,"sentiment":"neutral","sentiment_score":0.2247011231051551},{"text":"If there's anything that you're concerned about, any questions you may have, we can go from there.","start":656.795,"end":661.98,"sentiment":"neutral","sentiment_score":-0.012666171635775006},{"text":"Yes.","start":669.48,"end":669.72,"sentiment":"neutral","sentiment_score":0.014407179318368437},{"text":"How much are we looking to spend on the top?","start":669.72,"end":671.66,"sentiment":"neutral","sentiment_score":0.006332791410386562}],"sentiment":"neutral","sentiment_score":0.07923816358887179,"num_words":43,"start":651.995,"end":671.66},{"sentences":[{"text":"Okay.","start":675.60504,"end":676.10504,"sentiment":"neutral","sentiment_score":-0.06558164209127426},{"text":"So we're gonna need to spend $10 on the car?","start":678.005,"end":680.505,"sentiment":"neutral","sentiment_score":-0.04162264838814735},{"text":"Yep.","start":682.245,"end":682.565,"sentiment":"neutral","sentiment_score":0.03972278907895088},{"text":"Okay.","start":682.565,"end":683.065,"sentiment":"neutral","sentiment_score":0.05296026170253754},{"text":"Alright.","start":684.325,"end":684.805,"sentiment":"neutral","sentiment_score":0.07767760008573532}],"sentiment":"neutral","sentiment_score":-0.022246248221823146,"num_words":14,"start":675.60504,"end":684.805},{"sentences":[{"text":"So what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication with you to say, hey.","start":684.805,"end":695.12,"sentiment":"neutral","sentiment_score":0.07608523515277896},{"text":"It's been approved, so on and so forth.","start":695.12,"end":697.27997,"sentiment":"neutral","sentiment_score":0.2699747271835804},{"text":"It'll either be me or my team, of course.","start":697.27997,"end":699.22,"sentiment":"neutral","sentiment_score":0.1496018668015798},{"text":"Me from an advice perspective.","start":700.70496,"end":702.065,"sentiment":"neutral","sentiment_score":0.12805704027414322},{"text":"So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well.","start":702.065,"end":709.505,"sentiment":"positive","sentiment_score":0.5036781579256058}],"sentiment":"neutral","sentiment_score":0.26199547774158416,"num_words":80,"start":684.805,"end":709.505},{"sentences":[{"text":"And if there's anything if I'm not available, you'll be able to give them the information.","start":709.505,"end":713.02496,"sentiment":"neutral","sentiment_score":0.24585729325190187},{"text":"They'll definitely pass it along to me.","start":713.02496,"end":714.805,"sentiment":"positive","sentiment_score":0.5236311469759259},{"text":"But what what the what what will happen is once the claim's approved, we can then get the money released immediately if if you really, really, really need it.","start":716.48,"end":726.26,"sentiment":"neutral","sentiment_score":0.21215000620176053},{"text":"If you wanna hold off and you're happy to jump through the couple of hoops that we need to jump through to get the tax down, then we can do that.","start":726.95996,"end":733.755,"sentiment":"neutral","sentiment_score":0.20106453232226834},{"text":"But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great.","start":734.455,"end":740.555,"sentiment":"neutral","sentiment_score":0.29299634143158243}],"sentiment":"neutral","sentiment_score":0.2535944238305092,"num_words":110,"start":709.505,"end":740.555},{"sentences":[{"text":"It's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax.","start":742.055,"end":750.78,"sentiment":"neutral","sentiment_score":0.08160433744390806},{"text":"Okay.","start":755.48,"end":755.98,"sentiment":"neutral","sentiment_score":0.12816520035266876},{"text":"Perfect.","start":756.04,"end":756.54,"sentiment":"positive","sentiment_score":0.444075345993042},{"text":"I definitely can send you a bit of an email just to explain, a, who I am, and b, to to just, I guess, give you a couple of different act like, tell you exactly what I'm doing step by step.","start":758.975,"end":772.58997,"sentiment":"neutral","sentiment_score":0.29795701692744},{"text":"Perfect.","start":775.37,"end":775.87,"sentiment":"positive","sentiment_score":0.7197099924087524}],"sentiment":"neutral","sentiment_score":0.2156259237310371,"num_words":74,"start":742.055,"end":775.87},{"sentences":[{"text":"And then as we move through, because I'm not sure how close we are to claims, I need to wait to speak to the AAA case manager.","start":776.17,"end":783.14996,"sentiment":"neutral","sentiment_score":0.08105632690367875},{"text":"But once I have confirmation on how close we are to the claim being approved, it'll give us a bit of a timeline.","start":783.335,"end":788.955,"sentiment":"neutral","sentiment_score":0.19430062531129175},{"text":"And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna book holidays.","start":789.015,"end":812.275,"sentiment":"neutral","sentiment_score":0.13092705682999844},{"text":"And we can kinda talk through that a little bit more in-depth once the claim's nearing approval.","start":812.335,"end":817.315,"sentiment":"neutral","sentiment_score":0.07568649684681612},{"text":"Alright.","start":822.51697,"end":822.99695,"sentiment":"positive","sentiment_score":0.5880945324897766}],"sentiment":"neutral","sentiment_score":0.12822019787382904,"num_words":137,"start":776.17,"end":822.99695},{"sentences":[{"text":"Perfect.","start":822.99695,"end":823.49695,"sentiment":"positive","sentiment_score":0.7821532487869263},{"text":"Thank you so much for taking the time to talk with me, Tony.","start":823.55695,"end":825.717,"sentiment":"positive","sentiment_score":0.8263010932849004},{"text":"I appreciate it.","start":825.717,"end":826.69696,"sentiment":"positive","sentiment_score":0.8212918639183044},{"text":"Thanks, Tony.","start":829.87695,"end":830.67694,"sentiment":"positive","sentiment_score":0.6824694275856018},{"text":"Bye.","start":830.67694,"end":831.17694,"sentiment":"positive","sentiment_score":0.4307848811149597}],"sentiment":"positive","sentiment_score":0.7891833394765854,"num_words":20,"start":822.99695,"end":831.17694}]}}]},{"alternatives":[{"transcript":"Hello? Very good. Thank you. Yeah. Right. Yeah. Yep. Very good. I do. Yeah. Can you hear me okay? Yep. Yeah. All good. Not yet. Alrighty. Yep. Yeah. Yeah. And, you know, what I wanted to do with the money was do a bit of travel. I wanna be a bit of a shrine. Or I die. No. No. And then and then my my wife actually has the house now. But the past three star got the Internet. I'm still living there. I'm paying rent. Yeah. Yep. Well, we see that straight. I'm not doing that. K. True. Yes. Yes. I want disability pension. That's low that's low before. Yep. Alright. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yep. Alright. Yep. Yep. Uh-huh. Yep. Yeah. Yep. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Right. Yep. Oh, yep. Yep. Yeah. Yeah. Yeah. Right. Yep. Fair enough. Yeah. Yeah. Fair enough. Alright. Yep. That sounds rough. Yeah. Right. Yep. Yep. Yep. That makes sense to me. Yeah. That's right. But the my my main concern is is my car. So I I need to spend money on my car. So yeah. Anything up to $10, I suppose. Oh, I won't do a bit of traveling. And yeah. Yeah. Definitely. Yep. Yeah. Yep. Yeah. Right. Yep. That sounds sounds right. Could just send me an email on this? Yeah. Yeah. Cool. Uh-huh. That'd be great. Yeah. Yeah. Alright. That's the perfect. That sounds great. No worries. Thank you for your help. Yep. See you. 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enough.","start":615.14,"end":615.615,"sentiment":"neutral","sentiment_score":0.21953415125608444},{"text":"Yeah.","start":619.295,"end":619.615,"sentiment":"neutral","sentiment_score":0.11320353299379347},{"text":"Yeah.","start":619.615,"end":620.015,"sentiment":"neutral","sentiment_score":0.13194122910499573},{"text":"Fair enough.","start":620.015,"end":620.65497,"sentiment":"neutral","sentiment_score":0.153012715280056},{"text":"Alright.","start":620.65497,"end":620.975,"sentiment":"neutral","sentiment_score":0.14953705668449402}],"sentiment":"neutral","sentiment_score":0.16282507883650915,"num_words":7,"start":615.14,"end":620.975},{"sentences":[{"text":"Yep.","start":620.975,"end":621.475,"sentiment":"neutral","sentiment_score":0.10445978492498398},{"text":"That sounds 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right.","start":658.38,"end":658.86,"sentiment":"neutral","sentiment_score":0.052031537517905235}],"sentiment":"neutral","sentiment_score":0.2154389049857855,"num_words":10,"start":637.95,"end":658.86},{"sentences":[{"text":"But the my my main concern is is my car.","start":658.86,"end":663.68,"sentiment":"neutral","sentiment_score":-0.0482689019292593},{"text":"So I I need to spend money on my car.","start":664.3,"end":668.32,"sentiment":"neutral","sentiment_score":-0.040767576359212396},{"text":"So yeah.","start":668.7,"end":670.08,"sentiment":"neutral","sentiment_score":0.005051642656326293},{"text":"Anything up to $10, I suppose.","start":672.365,"end":674.305,"sentiment":"neutral","sentiment_score":-0.010065172178049883},{"text":"Oh, I won't do a bit of traveling.","start":674.685,"end":676.225,"sentiment":"neutral","sentiment_score":-0.07442238926887512}],"sentiment":"neutral","sentiment_score":-0.04266754568864902,"num_words":36,"start":658.86,"end":676.225},{"sentences":[{"text":"And yeah.","start":677.485,"end":681.185,"sentiment":"neutral","sentiment_score":-0.023625298868864775},{"text":"Yeah.","start":681.885,"end":682.385,"sentiment":"neutral","sentiment_score":0.02631990611553192},{"text":"Definitely.","start":692.86,"end":693.36,"sentiment":"neutral","sentiment_score":0.08601073920726776},{"text":"Yep.","start":715.05005,"end":715.55005,"sentiment":"neutral","sentiment_score":0.2286342829465866},{"text":"Yeah.","start":750.615,"end":751.115,"sentiment":"neutral","sentiment_score":0.14739924669265747}],"sentiment":"neutral","sentiment_score":0.0735189295373857,"num_words":6,"start":677.485,"end":751.115},{"sentences":[{"text":"Yep.","start":751.175,"end":751.575,"sentiment":"neutral","sentiment_score":0.1626814305782318},{"text":"Yeah.","start":751.575,"end":751.895,"sentiment":"neutral","sentiment_score":0.2003131806850433},{"text":"Right.","start":751.895,"end":752.135,"sentiment":"neutral","sentiment_score":0.2493465393781662},{"text":"Yep.","start":752.135,"end":752.375,"sentiment":"neutral","sentiment_score":0.27614685893058777},{"text":"That sounds sounds right.","start":752.375,"end":753.915,"sentiment":"positive","sentiment_score":0.3948853686451912}],"sentiment":"neutral","sentiment_score":0.30850368551909924,"num_words":8,"start":751.175,"end":753.915},{"sentences":[{"text":"Could just send me an email on this?","start":754.89,"end":757.07,"sentiment":"neutral","sentiment_score":0.20195821952074766},{"text":"Yeah.","start":772.265,"end":772.66504,"sentiment":"neutral","sentiment_score":0.21059344708919525},{"text":"Yeah.","start":772.66504,"end":772.98505,"sentiment":"neutral","sentiment_score":0.31574395298957825},{"text":"Cool.","start":772.98505,"end":773.48505,"sentiment":"positive","sentiment_score":0.4670870900154114},{"text":"Uh-huh.","start":774.265,"end":774.765,"sentiment":"positive","sentiment_score":0.3482074737548828}],"sentiment":"neutral","sentiment_score":0.24644147666792074,"num_words":12,"start":754.89,"end":774.765},{"sentences":[{"text":"That'd be great.","start":774.905,"end":775.885,"sentiment":"positive","sentiment_score":0.6535290479660034},{"text":"Yeah.","start":811.34,"end":811.84,"sentiment":"neutral","sentiment_score":0.05942995846271515},{"text":"Yeah.","start":812.94,"end":813.44,"sentiment":"neutral","sentiment_score":0.03108254075050354},{"text":"Alright.","start":818.14,"end":818.64,"sentiment":"positive","sentiment_score":0.5358951091766357},{"text":"That's the perfect.","start":818.78,"end":819.70496,"sentiment":"positive","sentiment_score":0.7948179244995117}],"sentiment":"positive","sentiment_score":0.5523831695318222,"num_words":9,"start":774.905,"end":819.70496},{"sentences":[{"text":"That sounds great.","start":819.70496,"end":820.925,"sentiment":"positive","sentiment_score":0.8616352081298828},{"text":"No worries.","start":826.745,"end":827.305,"sentiment":"positive","sentiment_score":0.5213183164596558},{"text":"Thank you for your help.","start":827.305,"end":828.44495,"sentiment":"positive","sentiment_score":0.7540699005126953},{"text":"Yep.","start":830.745,"end":831.245,"sentiment":"neutral","sentiment_score":0.2710435390472412},{"text":"See you.","start":831.305,"end":831.625,"sentiment":"positive","sentiment_score":0.3697981834411621}],"sentiment":"positive","sentiment_score":0.6468101281386155,"num_words":13,"start":819.70496,"end":831.625},{"sentences":[{"text":"Bye.","start":831.625,"end":832.125,"sentiment":"neutral","sentiment_score":-0.10948750376701356}],"sentiment":"neutral","sentiment_score":-0.10948750376701356,"num_words":1,"start":831.625,"end":832.125}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Toni. My name is Larissa from OC Financial. How are you going?\n\nChannel 1: Very good.\n\nChannel 0: That's\n\nChannel 1: Thank\n\nChannel 0: good\n\nChannel 1: you.\n\nChannel 0: to hear. I'm the head of financial advice, so I'm actually a financial planner. And I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment. And you need such a raise to claim. And I guess I'd\n\nChannel 1: Yeah.\n\nChannel 0: repeat after you you have to talk about claims mean and make sure that, I guess, you have the information available to you when the claim is approved. And and I guess just to make sure that you're all kosher on the taxes that are applicable if you did withdraw the money and what your long term goals are once the money is paid out.\n\nChannel 1: Right. Yeah. Yep.\n\nChannel 0: Did\n\nChannel 1: Very\n\nChannel 0: you have\n\nChannel 1: good.\n\nChannel 0: time to chat with me now?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Alright. Perfect.\n\nChannel 1: Can you\n\nChannel 0: So\n\nChannel 1: hear me okay?\n\nChannel 0: yeah. I've got you perfectly. Do you have me?\n\nChannel 1: Yep. Yeah. All good.\n\nChannel 0: Cool. So with total and permanent disability, when because your superannuation fund is the owner of the policy and you're the life insured, what happens is if you actually pay out the money to your personal bank account before the age of 60, you will pay up to 22% tax on the funds distributed, which can be a bit of a chunk of change.\n\nChannel 1: Not yet.\n\nChannel 0: Yeah. So to digress. There are some, I guess, fancy things that can be done that reduce down the amount of tax that is payable. But one of the biggest things with total flexibility is what your long term goals are. Because, obviously, you're not working anymore.\n\nIt wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term?\n\nChannel 1: Alrighty. Yep.\n\nChannel 0: So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward? Because we're only sitting you know, we're still quite young.\n\nChannel 1: Yeah. Yeah. And, you know, what I wanted to do with the money was do a bit of travel. I wanna\n\nChannel 0: Yeah.\n\nChannel 1: be a bit of a shrine. Or I die.\n\nChannel 0: I love that. No. Absolutely not. Go ahead. So we're we're planning on on just just traveling a little bit.\n\nCould can I ask? You have your mhmm. As I said, you have your you you you had the house still, and do you still have that investment property?\n\nChannel 1: No.\n\nChannel 0: We\n\nChannel 1: No.\n\nChannel 0: got rid of the investment\n\nChannel 1: And then\n\nChannel 0: property. That's okay.\n\nChannel 1: and then my my wife actually has the house now.\n\nChannel 0: Alright. So\n\nChannel 1: But the\n\nChannel 0: where\n\nChannel 1: past\n\nChannel 0: are you\n\nChannel 1: three star got\n\nChannel 0: where are\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: Internet.\n\nChannel 0: so what what are your living accommodations look like?\n\nChannel 1: I'm still living there. I'm paying rent.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Is is that the long term outcome?\n\nChannel 1: Well, we see that straight. I'm not doing that.\n\nChannel 0: Fair. No. That's okay.\n\nChannel 1: K.\n\nChannel 0: Alright. So assets wise, we are we only have the car now. We don't have any of the other\n\nChannel 1: True. Yes.\n\nChannel 0: residential asset. Okay. That's okay. So in terms of income at the moment, are we receiving any form of Centrelink? Have we applied to Centrelink?\n\nChannel 1: Yes. I want disability pension. That's\n\nChannel 0: Perfect.\n\nChannel 1: low that's low before.\n\nChannel 0: Yep. And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability. We can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink.\n\nChannel 1: Yep. Alright. Yep. Yep.\n\nChannel 0: You can have\n\nChannel 1: Mhmm.\n\nChannel 0: money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation\n\nChannel 1: Yep.\n\nChannel 0: and everything like that. We can pull the money out when it's needed and not just have it sitting in the bank in cash.\n\nChannel 1: Yep.\n\nChannel 0: So there are definite avenues that we can take to do this. The biggest thing if we wanna\n\nChannel 1: Yep.\n\nChannel 0: go down that pathway is that we actually need to do what's called a dual claim. So while we need to claim under AIA, we would\n\nChannel 1: Yeah.\n\nChannel 0: also need to do a claim under your hub twenty four superannuation fund as well. Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: And I can the claim initiated with hub twenty four from that perspective. All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you. Superannuation\n\nChannel 1: Alright. Yep.\n\nChannel 0: claims are a lot quicker than what insurance claims are Because\n\nChannel 1: Yep.\n\nChannel 0: the superannuation fund turns around and goes, it's already your money. We're just gonna let you have it. Whereas\n\nChannel 1: Uh-huh.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: the insurer looks at every different avenue. And not because they're trying to get out of the claim, but because it's obviously still a lot of money on the line with TPD. TPD claims take a long time to assess because you have to meet that total and permanent disability component. It's not just, you know, I'm not feeling a little I'm feeling a little unwell. They obviously have to make make sure legislatively that you meet all of the requirements.\n\nChannel 1: Yeah.\n\nChannel 0: So if you're happy, what I'll do is I can get the claim initiated with hub twenty four from a it's it's called a a it's it's basically a TPG claim with Hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Get that initiated. If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view.\n\nChannel 1: Yep.\n\nChannel 0: And I can just work with you to get those ones done, and we can go from there. I do know that AIA are waiting to hear back from doctor Leon Lee Leon. They've written to doctor Leon, and they're just waiting for him to respond. Last time I spoke to the claims manager, that's where things were standing. I am I missed them today before they left because I forgot that Daylight Savings hasn't quite finished.\n\nSo I left myself a little bit late in the afternoon to give them a call, and that already wrapped up.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm gonna give them a call tomorrow morning, and, hopefully, I can get that claims manager first thing in the morning and just see where things are at with AIA. Because I I wanna try and, you know, make sure things are wrapped up soon ish. I know you've been going on for a little bit. Realistically,\n\nChannel 1: Okay.\n\nChannel 0: TPD claims, anything under three months, you are laughing, and that is a quick claim. Generally, TPD claims are six plus months to get them through and over the line. I've\n\nChannel 1: Yeah.\n\nChannel 0: been doing claims for the better part of five years, and TPD, the biggest pain, but also, I guess, one of the most intensive and and document heavy requirements that that exist in the insurance world.\n\nChannel 1: Yeah.\n\nChannel 0: So from an advice perspective, I wanna try and help you to pay as little tax as possible. And if you're happy to work with me to get that done, providing you're comfortable for the like, for everything to take a little bit longer and you don't need any immediate money obviously, if you need immediate money, you let me know, and I will make sure that those funds are released to you as quick as possible. But if you're\n\nChannel 1: Yeah.\n\nChannel 0: happy for me to take a little bit longer, I can work my magic and make it so you pay as little tax as possible in the back end. Because what's going to happen is once AIA accept your claim, they are actually gonna set up a brand new superannuation\n\nChannel 1: Right. Yep.\n\nChannel 0: So\n\nChannel 1: Oh, yep.\n\nChannel 0: what\n\nChannel 1: Yep.\n\nChannel 0: happens is my fancy stuff, I can consolidate those two funds, and that's going to see you paying less tax, but it's also gonna mean that all your money's in one place. And then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we\n\nChannel 1: Yeah.\n\nChannel 0: can just have the money sitting there invested. And whenever you need money, you can give me a call and say, hey, Larissa. I'm set in sale and I'm going to Bahamas for four months. I need $20. Let's go.\n\nChannel 1: Yeah. Yeah. Right. Yep. Fair\n\nChannel 0: And\n\nChannel 1: enough.\n\nChannel 0: I money out to you within two weeks or less.\n\nChannel 1: Yeah. Yeah. Fair enough. Alright. Yep.\n\nThat sounds rough.\n\nChannel 0: So does that sound okay? I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can. But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view.\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Yep. That makes sense\n\nChannel 0: Perfect.\n\nChannel 1: to me.\n\nChannel 0: Well, I love it. Well, I'll get cracking on this side of things and get things sent off to Hub twenty four and basically get a claim initiated. So if you get an email from Hub twenty four, don't be concerned. It's just me working through things. You're, of course, welcome to give me a call.\n\nIf there's\n\nChannel 1: Yeah.\n\nChannel 0: anything that you're concerned about,\n\nChannel 1: That's right.\n\nChannel 0: any\n\nChannel 1: But\n\nChannel 0: questions you may have,\n\nChannel 1: the\n\nChannel 0: we\n\nChannel 1: my\n\nChannel 0: can\n\nChannel 1: my\n\nChannel 0: go from\n\nChannel 1: main concern\n\nChannel 0: there.\n\nChannel 1: is is my car. So I I need to spend money on my car. So\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: How much are we looking to spend on the top?\n\nChannel 1: Anything up to $10, I suppose. Oh, I won't do a bit\n\nChannel 0: Okay.\n\nChannel 1: of traveling. And\n\nChannel 0: So we're gonna need to spend $10 on the car?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep. Okay. Alright. So what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication\n\nChannel 1: Definitely.\n\nChannel 0: with you to say, hey. It's been approved, so on and so forth. It'll either be me or my team, of course. Me from an advice perspective. So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well.\n\nAnd if there's anything if I'm not available, you'll be able to give them the information. They'll definitely pass it along to me.\n\nChannel 1: Yep.\n\nChannel 0: But what what the what what will happen is once the claim's approved, we can then get the money released immediately if if you really, really, really need it. If you wanna hold off and you're happy to jump through the couple of hoops that we need to jump through to get the tax down, then we can do that. But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great. It's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax.\n\nChannel 1: Yeah. Yep. Yeah. Right. Yep.\n\nThat sounds sounds right. Could just send me\n\nChannel 0: Okay.\n\nChannel 1: an email\n\nChannel 0: Perfect.\n\nChannel 1: on this?\n\nChannel 0: I definitely can send you a bit of an email just to explain, a, who I am, and b, to to just, I guess, give you a couple of different act like, tell you exactly what I'm doing step by step.\n\nChannel 1: Yeah. Yeah. Cool. Uh-huh. That'd be\n\nChannel 0: Perfect.\n\nChannel 1: great.\n\nChannel 0: And then as we move through, because I'm not sure how close we are to claims, I need to wait to speak to the AAA case manager. But once I have confirmation on how close we are to the claim being approved, it'll give us a bit of a timeline. And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna\n\nChannel 1: Yeah.\n\nChannel 0: book holidays. And we can kinda\n\nChannel 1: Yeah.\n\nChannel 0: talk through that a little bit more in-depth once the claim's nearing approval.\n\nChannel 1: Alright. That's the perfect. That sounds great.\n\nChannel 0: Alright. Perfect. Thank you so much for taking the time to talk with me, Tony. I appreciate it.\n\nChannel 1: No worries. Thank you for your help.\n\nChannel 0: Thanks, Tony. Bye.\n\nChannel 1: Yep. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.03384173661470413}],"sentiment":"neutral","sentiment_score":0.03384173661470413,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Toni.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.1709436997771263},{"text":"My name is Larissa from OC Financial.","start":4.16,"end":5.92,"sentiment":"neutral","sentiment_score":0.18362989595958165},{"text":"How are you going?","start":5.92,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.24655163288116455}],"sentiment":"neutral","sentiment_score":0.20103870790738326,"channel":0,"num_words":13,"start":3.1999998,"end":6.8199997},{"sentences":[{"text":"Very 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claim being approved, it'll give us a bit of a timeline.","start":783.335,"end":788.955,"sentiment":"neutral","sentiment_score":0.19430062531129175},{"text":"And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna","start":789.015,"end":811.53503,"sentiment":"neutral","sentiment_score":0.13168791169995692}],"sentiment":"neutral","sentiment_score":0.1323121819868047,"channel":0,"num_words":117,"start":776.17,"end":811.53503},{"sentences":[{"text":"Yeah.","start":811.34,"end":811.84,"sentiment":"neutral","sentiment_score":0.05942995846271515}],"sentiment":"neutral","sentiment_score":0.05942995846271515,"channel":1,"num_words":1,"start":811.34,"end":811.84},{"sentences":[{"text":"book holidays.","start":811.53503,"end":812.275,"sentiment":"neutral","sentiment_score":0.10543841868638992},{"text":"And we can kinda","start":812.335,"end":813.05505,"sentiment":"neutral","sentiment_score":0.05514850653707981}],"sentiment":"neutral","sentiment_score":0.07191181058684985,"channel":0,"num_words":6,"start":811.53503,"end":813.05505},{"sentences":[{"text":"Yeah.","start":812.94,"end":813.44,"sentiment":"neutral","sentiment_score":0.03108254075050354}],"sentiment":"neutral","sentiment_score":0.03108254075050354,"channel":1,"num_words":1,"start":812.94,"end":813.44},{"sentences":[{"text":"talk through that a little bit more in-depth once the claim's nearing approval.","start":813.05505,"end":817.315,"sentiment":"neutral","sentiment_score":0.08200587848058113}],"sentiment":"neutral","sentiment_score":0.08200587848058113,"channel":0,"num_words":13,"start":813.05505,"end":817.315},{"sentences":[{"text":"Alright.","start":818.14,"end":818.64,"sentiment":"positive","sentiment_score":0.5358951091766357},{"text":"That's the perfect.","start":818.78,"end":819.70496,"sentiment":"positive","sentiment_score":0.7948179244995117},{"text":"That sounds great.","start":819.70496,"end":820.925,"sentiment":"positive","sentiment_score":0.8616352081298828}],"sentiment":"positive","sentiment_score":0.7864649295806885,"channel":1,"num_words":7,"start":818.14,"end":820.925},{"sentences":[{"text":"Alright.","start":822.51697,"end":822.99695,"sentiment":"positive","sentiment_score":0.5880945324897766},{"text":"Perfect.","start":822.99695,"end":823.49695,"sentiment":"positive","sentiment_score":0.7821532487869263},{"text":"Thank you so much for taking the time to talk with me, Tony.","start":823.55695,"end":825.717,"sentiment":"positive","sentiment_score":0.8263010932849004},{"text":"I appreciate it.","start":825.717,"end":826.69696,"sentiment":"positive","sentiment_score":0.8212918639183044}],"sentiment":"positive","sentiment_score":0.8097798658741845,"channel":0,"num_words":18,"start":822.51697,"end":826.69696},{"sentences":[{"text":"No worries.","start":826.745,"end":827.305,"sentiment":"positive","sentiment_score":0.5213183164596558},{"text":"Thank you for your help.","start":827.305,"end":828.44495,"sentiment":"positive","sentiment_score":0.7540699005126953}],"sentiment":"positive","sentiment_score":0.6875694479261126,"channel":1,"num_words":7,"start":826.745,"end":828.44495},{"sentences":[{"text":"Thanks, Tony.","start":829.87695,"end":830.67694,"sentiment":"positive","sentiment_score":0.6824694275856018},{"text":"Bye.","start":830.67694,"end":831.17694,"sentiment":"positive","sentiment_score":0.4307848811149597}],"sentiment":"positive","sentiment_score":0.5985745787620544,"channel":0,"num_words":3,"start":829.87695,"end":831.17694},{"sentences":[{"text":"Yep.","start":830.745,"end":831.245,"sentiment":"neutral","sentiment_score":0.2710435390472412},{"text":"See you.","start":831.305,"end":831.625,"sentiment":"positive","sentiment_score":0.3697981834411621},{"text":"Bye.","start":831.625,"end":832.125,"sentiment":"neutral","sentiment_score":-0.10948750376701356}],"sentiment":"neutral","sentiment_score":0.22528810054063797,"channel":1,"num_words":4,"start":830.745,"end":832.125}]},"summary":{"result":"success","short":"Larissa from BC Financial discusses the process of paying out total and permanent disability claims with the customer. She explains that claims can be made by personal bank accounts before the age of 60 and that there are avenues to adapt to living conditions and income support. The claims manager is waiting for a response, and the process is quicker and quicker than filing a dual claim. The agent offers to consolidate funds and set up a second pension account for the customer to use, and explains that the process will follow and be followed by the customer's case manager."},"intents":{"segments":[{"text":"I'm the head of financial advice, so I'm actually a financial planner. And I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment. And you need such a raise to claim.","start_word":22,"end_word":77,"intents":[{"intent":"Discuss claims","confidence_score":0.20528011}]},{"text":"But one of the biggest things with total flexibility is what your long term goals are. Because, obviously, you're not working anymore. It wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term? Alrighty.","start_word":277,"end_word":349,"intents":[{"intent":"Discuss long term goals","confidence_score":0.011054192}]},{"text":"Because, obviously, you're not working anymore. It wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term?","start_word":293,"end_word":348,"intents":[{"intent":"Optimize income support","confidence_score":0.0024108174}]},{"text":"So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward?","start_word":352,"end_word":400,"intents":[{"intent":"Obtain support and income","confidence_score":0.0033524074}]},{"text":"And, you know, what I wanted to do with the money was do a bit of travel. I wanna Yeah.","start_word":412,"end_word":431,"intents":[{"intent":"Travel","confidence_score":0.5866488}]},{"text":"And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability. We can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink. Yep.","start_word":628,"end_word":676,"intents":[{"intent":"Get tpg payment","confidence_score":0.010646581}]},{"text":"You can have Mhmm. money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation Yep.","start_word":680,"end_word":706,"intents":[{"intent":"Pay for flights and accommodation","confidence_score":0.031620413}]},{"text":"The biggest thing if we wanna Yep. go down that pathway is that we actually need to do what's called a dual claim.","start_word":744,"end_word":766,"intents":[{"intent":"Create dual claims","confidence_score":0.004014294}]},{"text":"Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four.","start_word":793,"end_word":824,"intents":[{"intent":"Provide claim documents","confidence_score":0.4681312}]},{"text":"And I can the claim initiated with hub twenty four from that perspective. All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you.","start_word":826,"end_word":870,"intents":[{"intent":"Initiate claim and comply with requirements","confidence_score":0.00012645606}]},{"text":"If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view.","start_word":1029,"end_word":1061,"intents":[{"intent":"Fill gaps in documentation","confidence_score":0.19295554}]},{"text":"And then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we Yeah.","start_word":1461,"end_word":1514,"intents":[{"intent":"Set up and budget","confidence_score":0.010993374}]},{"text":"I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can. But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view. Yeah.","start_word":1585,"end_word":1627,"intents":[{"intent":"Discuss claim requirements","confidence_score":0.1895121}]},{"text":"So I I need to spend money on my car. So Yes. yeah.","start_word":1726,"end_word":1738,"intents":[{"intent":"Discuss car spending","confidence_score":0.07189024}]},{"text":"So what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication Definitely.","start_word":1780,"end_word":1804,"intents":[{"intent":"Apologize for communication","confidence_score":0.0120085105}]},{"text":"It's been approved, so on and so forth.","start_word":1811,"end_word":1818,"intents":[{"intent":"Confirm approval","confidence_score":0.21944477}]},{"text":"It's been approved, so on and so forth. It'll either be me or my team, of course. Me from an advice perspective.","start_word":1811,"end_word":1832,"intents":[{"intent":"Approve claim","confidence_score":0.4675961}]},{"text":"It'll either be me or my team, of course. Me from an advice perspective. So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well. And if there's anything if I'm not available, you'll be able to give them the information. They'll definitely pass it along to me. Yep.","start_word":1818,"end_word":1884,"intents":[{"intent":"Schedule call","confidence_score":0.0028642858}]},{"text":"But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great. It's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax. Yeah. Yep.","start_word":1945,"end_word":2003,"intents":[{"intent":"Discuss tax decrease","confidence_score":0.0006643225}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Toni. My name is Larissa from OC Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1795404851436615},{"text":"Very good. That's good Thank you. to hear.","start_word":14,"end_word":21,"sentiment":"positive","sentiment_score":0.6571766138076782},{"text":"I'm the head of financial advice, so I'm actually a financial planner. And I was just having a bit of a meeting with my team about, I guess, like, claims and specifically total and permanent disability claims for which I know you're going through one at the moment. And you need such a raise to claim. And I guess I'd Yeah. repeat after you you have to talk about claims mean and make sure that, I guess, you have the information available to you when the claim is approved. And and I guess just to make sure that you're all kosher on the taxes that are applicable if you did withdraw the money and what your long term goals are once the money is paid out. Right. Yeah. Yep. Did Very you have good. time to chat with me now? I do. Yeah. Alright. Perfect. Can you So hear me okay? yeah. I've got you perfectly. Do you have me? Yep. Yeah.","start_word":22,"end_word":183,"sentiment":"neutral","sentiment_score":0.06402822583913803},{"text":"All good. Cool.","start_word":184,"end_word":186,"sentiment":"positive","sentiment_score":0.35808247327804565},{"text":"So with total and permanent disability, when because your superannuation fund is the owner of the policy and you're the life insured, what happens is if you actually pay out the money to your personal bank account before the age of 60, you will pay up to 22% tax on the funds distributed, which can be a bit of a chunk of change. Not yet. Yeah. So to digress. There are some, I guess, fancy things that can be done that reduce down the amount of tax that is payable. But one of the biggest things with total flexibility is what your long term goals are. Because, obviously, you're not working anymore. It wasn't in the life plan originally for you to go down this avenue. But now that life's thrown that curve ball, how do we adapt to make sure that you are still able to live the life you want and have the income support that you need long term? Alrighty. Yep. So can I ask what are what how has your life changed with, I guess, your diagnosis and and everything you're going through, and what are your goals moving forward to be able to make sure that you have a good support system and and good income moving forward? Because we're only sitting you know, we're still quite young. Yeah. Yeah. And, you know, what I wanted to do with the money was do a bit of travel. I wanna Yeah. be a bit of a shrine. Or I die.","start_word":187,"end_word":440,"sentiment":"neutral","sentiment_score":0.09793908847129253},{"text":"I love that.","start_word":441,"end_word":443,"sentiment":"positive","sentiment_score":0.3709595799446106},{"text":"No. Absolutely not. Go ahead. So we're we're planning on on just just traveling a little bit. Could can I ask? You have your mhmm. As I said, you have your you you you had the house still, and do you still have that investment property? No. We No. got rid of the investment And then property. That's okay. and then my my wife actually has the house now. Alright. So But the where past are you three star got where are the you Internet. so what what are your living accommodations look like? I'm still living there. I'm paying rent. Yep. Okay. Yeah. Yep. Is is that the long term outcome? Well, we see that straight. I'm not doing that. Fair. No. That's okay. K. Alright. So assets wise, we are we only have the car now. We don't have any of the other True. Yes. residential asset. Okay. That's okay. So in terms of income at the moment, are we receiving any form of Centrelink? Have we applied to Centrelink? Yes. I want disability pension. That's Perfect. low that's low before. Yep. And if we get the TPG payment because there's a couple of avenues that we can look at with total impairment disability. We can take all of it out as a lump sum, which means that you then have money in the bank, which becomes accessible to Centrelink. Yep. Alright. Yep. Yep. You can have Mhmm. money coming out, say you wanna book a holiday, you need 12 or $15 to pay for the flights and the accommodation Yep. and everything like that. We can pull the money out when it's needed and not just have it sitting in the bank in cash. Yep.","start_word":444,"end_word":731,"sentiment":"neutral","sentiment_score":0.044537340329649545},{"text":"So there are definite avenues that we can take to do this.","start_word":732,"end_word":743,"sentiment":"positive","sentiment_score":0.3350695073604584},{"text":"The biggest thing if we wanna Yep. go down that pathway is that we actually need to do what's called a dual claim. So while we need to claim under AIA, we would Yeah. also need to do a claim under your hub twenty four superannuation fund as well.","start_word":744,"end_word":792,"sentiment":"neutral","sentiment_score":0.08987448364496231},{"text":"Now the good thing is is that I can actually use a lot of the claim documents that you've already provided to AIA, and I can provide them to hub twenty four. Yep. And I can the claim initiated with hub twenty four from that perspective. All it's going to do is mean that the money you have in your hub twenty four fund will meet a condition of release and means that it becomes accessible to you.","start_word":793,"end_word":870,"sentiment":"positive","sentiment_score":0.4693014323711395},{"text":"Superannuation Alright. Yep. claims are a lot quicker than what insurance claims are Because Yep. the superannuation fund turns around and goes, it's already your money. We're just gonna let you have it. Whereas Uh-huh. the Yep. the insurer looks at every different avenue. And not because they're trying to get out of the claim, but because it's obviously still a lot of money on the line with TPD. TPD claims take a long time to assess because you have to meet that total and permanent disability component. It's not just, you know, I'm not feeling a little I'm feeling a little unwell. They obviously have to make make sure legislatively that you meet all of the requirements. Yeah. So if you're happy, what I'll do is I can get the claim initiated with hub twenty four from a it's it's called a a it's it's basically a TPG claim with Hub twenty four. Yep. Get that initiated. If there's anything that they require from a claims perspective, I'll obviously come to you because there may be some gaps that may need to be filled from a documentation point of view. Yep. And I can just work with you to get those ones done, and we can go from there. I do know that AIA are waiting to hear back from doctor Leon Lee Leon. They've written to doctor Leon, and they're just waiting for him to respond. Last time I spoke to the claims manager, that's where things were standing. I am I missed them today before they left because I forgot that Daylight Savings hasn't quite finished. So I left myself a little bit late in the afternoon to give them a call, and that already wrapped up. Yeah. So I'm gonna give them a call tomorrow morning, and, hopefully, I can get that claims manager first thing in the morning and just see where things are at with AIA. Because I I wanna try and, you know, make sure things are wrapped up soon ish. I know you've been going on for a little bit. Realistically, Okay. TPD claims, anything under three months, you are laughing, and that is a quick claim. Generally, TPD claims are six plus months to get them through and over the line. I've Yeah. been doing claims for the better part of five years, and TPD, the biggest pain, but also, I guess, one of the most intensive and and document heavy requirements that that exist in the insurance world. Yeah. So from an advice perspective, I wanna try and help you to pay as little tax as possible. And if you're happy to work with me to get that done, providing you're comfortable for the like, for everything to take a little bit longer and you don't need any immediate money obviously, if you need immediate money, you let me know, and I will make sure that those funds are released to you as quick as possible. But if you're Yeah.","start_word":871,"end_word":1370,"sentiment":"neutral","sentiment_score":-0.00458793543279171},{"text":"happy for me to take a little bit longer, I can work my magic and make it so you pay as little tax as possible in the back end.","start_word":1371,"end_word":1399,"sentiment":"positive","sentiment_score":0.33987319469451904},{"text":"Because what's going to happen is once AIA accept your claim, they are actually gonna set up a brand new superannuation Right. Yep. So Oh, yep. what Yep.","start_word":1400,"end_word":1427,"sentiment":"neutral","sentiment_score":0.14833778142929077},{"text":"happens is my fancy stuff, I can consolidate those two funds, and that's going to see you paying less tax, but it's also gonna mean that all your money's in one place.","start_word":1428,"end_word":1459,"sentiment":"positive","sentiment_score":0.3634656369686126},{"text":"And then depending on how you wanna set things up as we move through, and we don't have to make a decision today, but depending on how you wanna set things up, I can set you up with a, like, a second like, a pension account that pays you an income, or we Yeah. can just have the money sitting there invested. And whenever you need money, you can give me a call and say, hey, Larissa. I'm set in sale and I'm going to Bahamas for four months. I need $20. Let's go. Yeah. Yeah. Right. Yep. Fair And enough. I money out to you within two weeks or less. Yeah. Yeah. Fair enough. Alright. Yep. That sounds rough. So does that sound okay? I'm gonna do a lot of the back end work, and I'll do everything for you as much as I possibly can. But I'm obviously gonna have to come to you if there's any claim requirements from a documentation point of view. Yeah. Right. Yep. Yeah. Yep. Alright. Yep.","start_word":1460,"end_word":1633,"sentiment":"neutral","sentiment_score":0.0775129422545433},{"text":"That makes sense Perfect. to me. Well, I love it.","start_word":1634,"end_word":1643,"sentiment":"positive","sentiment_score":0.545014500617981},{"text":"Well, I'll get cracking on this side of things and get things sent off to Hub twenty four and basically get a claim initiated. So if you get an email from Hub twenty four, don't be concerned. It's just me working through things. You're, of course, welcome to give me a call. If there's Yeah. anything that you're concerned about, That's right. any But questions you may have, the we my can my go from main concern there. is is my car. So I I need to spend money on my car. So Yes. yeah. How much are we looking to spend on the top? Anything up to $10, I suppose. Oh, I won't do a bit Okay. of traveling. And So we're gonna need to spend $10 on the car? yeah. Yeah. Yep. Okay. Alright. So what we'll do is once we're approved on the AIA point of point of view, you can like, I'll obviously be in communication Definitely. with you to say, hey. It's been approved, so on and so forth. It'll either be me or my team, of course. Me from an advice perspective.","start_word":1644,"end_word":1831,"sentiment":"neutral","sentiment_score":0.09282818008610542},{"text":"So if there's anything advice related, it's just gonna be me, but I obviously have amazing support system that's gonna be able to reach out to you as well.","start_word":1832,"end_word":1860,"sentiment":"positive","sentiment_score":0.4742639660835266},{"text":"And if there's anything if I'm not available, you'll be able to give them the information.","start_word":1861,"end_word":1876,"sentiment":"neutral","sentiment_score":0.2360119670629501},{"text":"They'll definitely pass it along to me.","start_word":1877,"end_word":1883,"sentiment":"positive","sentiment_score":0.5076403617858887},{"text":"Yep. But what what the what what will happen is once the claim's approved, we can then get the money released immediately if if you really, really, really need it. If you wanna hold off and you're happy to jump through the couple of hoops that we need to jump through to get the tax down, then we can do that. But it's just if we don't need to get all the money paid out to you and pay the highest possible tax possible, that would be great. It's just, you know, a matter of, I guess, taking it a little bit slower and jumping through those couple of hoops to make sure that we're minimizing the tax. Yeah. Yep. Yeah. Right. Yep.","start_word":1884,"end_word":2006,"sentiment":"neutral","sentiment_score":0.1972953975200653},{"text":"That sounds sounds right.","start_word":2007,"end_word":2010,"sentiment":"positive","sentiment_score":0.3940373659133911},{"text":"Could just send me Okay. an email Perfect. on this? I definitely can send you a bit of an email just to explain, a, who I am, and b, to to just, I guess, give you a couple of different act like, tell you exactly what I'm doing step by step. Yeah. Yeah.","start_word":2011,"end_word":2063,"sentiment":"neutral","sentiment_score":0.2780591547489166},{"text":"Cool. Uh-huh. That'd be Perfect. great.","start_word":2064,"end_word":2069,"sentiment":"positive","sentiment_score":0.5380218625068665},{"text":"And then as we move through, because I'm not sure how close we are to claims, I need to wait to speak to the AAA case manager. But once I have confirmation on how close we are to the claim being approved, it'll give us a bit of a timeline. And from there, I think we have a little bit more of an in-depth conversation as to how we proceed long term, Whether we look at setting up an income stream so you have a little bit more available cash coming to you or whether we look at just investing the money in, like, in your superannuation fund and doing little lump sum withdrawal when you wanna Yeah. book holidays. And we can kinda Yeah. talk through that a little bit more in-depth once the claim's nearing approval.","start_word":2070,"end_word":2207,"sentiment":"neutral","sentiment_score":0.12493065150751584},{"text":"Alright. That's the perfect. That sounds great. Alright. Perfect. Thank you so much for taking the time to talk with me, Tony. I appreciate it. No worries. Thank you for your help. Thanks, Tony. Bye.","start_word":2208,"end_word":2242,"sentiment":"positive","sentiment_score":0.7332680225372314},{"text":"Yep.","start_word":2243,"end_word":2243,"sentiment":"neutral","sentiment_score":0.2710435390472412},{"text":"See you.","start_word":2244,"end_word":2245,"sentiment":"positive","sentiment_score":0.3784120976924896},{"text":"Bye.","start_word":2246,"end_word":2246,"sentiment":"neutral","sentiment_score":0.2535549998283386}],"average":{"sentiment":"neutral","sentiment_score":0.12152925484492176}}}}