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And sorry for the wait. I was just having a look through your files so I could obviously familiarize myself with where you were when you came on board in 2022 just so I obviously have factual information, and I'm not just talking nonsense. So I've had a look over your file, and I'm still sort of just looking through a few things right now as we talk. And I can see that back in 2022, the initial research that we did alongside yourself did show that you had a BT super inch like, super fund or BT panorama is what they're called. Under that BT Panorama, you were invested in a full menu, so you had access to all the assets under that under that option, and that you had no insurance under that super fund. And that was as at the 02/18/2022 before you became a client of Oakview Financial. We also submitted a an a loss like, a loss super authority. So it's where we do, like, a super search with the ATO to establish whether you have any other super like, superannuation funds. And at that time, we didn't find anything under the LSA or with the ATO. So the ATO came back saying that there was no other superannuation funds there. And from all our records, we how we have have and hold. It does actually say that you have had no insurance. When you came on with us, you did have you did disclose that you had, obviously, the degenerative arthritis. Yeah. It was like, when you came on board under Oakview, you had nothing. And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then obviously looked at your personal health physician, occupation, age, and looking at preexisting medical conditions to see whether we could undertake an insurance application. We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy. Yeah. So we we couldn't at that time get a policy in place and you didn't have one. Yep. You were also like, you you you were also sort of quite quite, I guess, asset rich in the in the fact that you had quite a bit of equity in your mortgage and a number of other assets that, you know, you could obviously sell off to sort of net any of the debts that you had. So with with where you were sort of at, it it was kind of, you know, trying to take out a new policy was gonna be very, very expensive. I know that you had you had a conversation with one of my colleagues, Alan, back a few years ago. And, I guess, to to to quote it, you didn't want anything that was gonna cost an arm and a leg. And the policy that if we were gonna take anything out because of your arthritis, was basically going to, a, cost quite a lot, and, b, exclude your condition, which would make it very difficult for you to claim on on anything. Yeah. Yeah. Do you know whether you like, did you engage anyone before, like, Oakview Financial? Because, like, you've had no insurance before us. Yeah. There are options. Like, there's no insurance that you hold, but there is the possibility that you could claim what's called permanent incapacity under your superannuation fund and start receiving a benefit, like an income stream from your superannuation account if it's income that you're sort of looking or needing. Yeah. Yeah. Yeah. Yeah. I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your like, the account history to see whether they hold any information, like, prior to us, and see whether they're willing to disclose it or whether it you know, whether I can find anything out and go from there. Yes. So the statement of advice that we originally issued to you let me just grab it back up. Sorry. I closed it. Where did it go? There it is. So statement of advice that was presented to you was presented back in February on the twenty first in twenty twenty two. So 2021 to '22. Not so when you when you came on with us, you were all you you were with no. Yeah. You were with BC Panorama. The meet workers' union, so that is what were they called? AMIST, a m I s t. Before AMIST, there was m e I s t, I think it was called, that existed across across the, yeah, across the last sort of decade, half a decade, there've been a lot of super funds that have closed and rolled into each other. So the MEIST one doesn't exist anymore. It consolidated into I can't remember because it was probably pushing a decade ago. A AMIST doesn't exist anymore. They've rolled into another fund as well. So, like, the a lot of the smaller funds that did exist don't anymore. They kind of merged into bigger funds. But a call to the ATO so if you're if you're adamant about doing the doing the the, I guess, the the look into it, a call to the ATO will get you some of the information you're looking for. Because across your history, the ATO has just like you do your tax returns, super funds do their tax returns. So when a super fund does their tax return, they basically connect you with the ATO and your super fund via your tax file number. So whenever they submit the tax return for themselves, basically, your superannuation account gets updated with the ATO and the ATO goes fantastic. You still have a super fund. They're just information gathering, I guess, at that point. But you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I don't know. I I can't guarantee what they have and haven't done. I mean, you could ask them whether they have done that, but it's anyone yeah. Possibly. I mean, unless someone has done something wrong, I just I can tell you vehemently, it is not us. Like, we we've I've I've I'm more than happy to go I I'm more than happy, and I will, after this call, dig a little bit deeper into your file. But from what I'm seeing, there is nothing that we've done wrong with respect to to your account or your file. You you came on with no insurance. We looked at it. If you were to undertake it, it was gonna cost a bit of an arm and a leg, and then it was gonna exclude your your condition anyway. And then from there, I can say that when we did the lost super authority, so that lost super search, the the information we got back from the ATO was that like, it's very, very limited information that we sometimes get, but that you had that you had a couple of accounts that were previously open. So the last reporting for them was quite a number of years ago. So one of them was one oh, sorry. It was only one of them. One of them was basically Australian ATO held funds. So the ATO was holding money on your behalf, but that's moved over. Was the Labor Unions Cooperative Retirement Fund, But the last time that reported to the ATO was the twenty seventeen, twenty eighteen tax. Oh, sorry. 2004, 2005 tax year. I apologize. O four or '5. So that fund did exist, but that was quite a while. Yeah. Yeah. Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called? Workers' compensation claim? Because it's directly correlating to your occupation. Yeah. I mean, you could definitely start with the the union and and have a call with the union and have a chat with them about possible, like, work cover claim to do with, you know, the fact that it's a degenerative degenerative based on the number of years that you've worked in the industry and the effects that you've had. Would you like me would you like me to email through, like, the lost super search that we received from the ATO? Yeah? It's got it's got a it's got quite a number of funds on it from, like, the, like, past years. They do say that they some of them say that they're open. Generally, if they haven't reported, so if they say the last reporting date is, you know, say, 2005, they're not gonna be open anymore because the funds have an obligation to report every single year. But I'm I'm more than happy to send it to you. And if you get lost or confused with reading it, you can give me a call and I'm happy to sort of step it out with you along the way. Okay. It is there did you wanna did you wanna look at maybe a a incapacity claim under your superannuation fund, or we can have a bit of a a further discussion about your finances and how I can possibly help you? Or yeah. Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some scheduled time to sit down with you. Well, when's your calendar free? Even those without work, sometimes busy. Yeah. Well, would next, say, Tuesday work for you? Because it's Monday's a public holiday for Queensland. So would Tuesday? Alright. Let's go. Do you wanna go first up in the morning and say 9AM, 10AM? Perfect. Alright. I will pop you on my calendar now, and we can have a chat next Tuesday, the fifth. Absolutely fine. Not a problem at all. Alright. We'll talk to you then. See you, Doug. 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Douglas. My name is Larissa. I'm the head of financial advice. How are you going? That's good.\n\nMaddie was just giving me a bit of a rundown on where things are at with respect to yourself. And sorry for the wait. I was just having a look through your files so I could obviously familiarize myself with where you were when you came on board in 2022 just so I obviously have factual information, and I'm not just talking nonsense. So I've had a look over your file, and I'm still sort of just looking through a few things right now as we talk. And I can see that back in 2022, the initial research that we did alongside yourself did show that you had a BT super inch like, super fund or BT panorama is what they're called.\n\nUnder that BT Panorama, you were invested in a full menu, so you had access to all the assets under that under that option, and that you had no insurance under that super fund. And that was as at the 02/18/2022 before you became a client of Oakview Financial. We also submitted a an a loss like, a loss super authority. So it's where we do, like, a super search with the ATO to establish whether you have any other super like, superannuation funds. And at that time, we didn't find anything under the LSA or with the ATO.\n\nSo the ATO came back saying that there was no other superannuation funds there. And from all our records, we how we have have and hold. It does actually say that you have had no insurance. When you came on with us, you did have you did disclose that you had, obviously, the degenerative arthritis. Yeah.\n\nIt was like, when you came on board under Oakview, you had nothing. And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then obviously looked at your personal health physician, occupation, age, and looking at preexisting medical conditions to see whether we could undertake an insurance application. We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy. Yeah. So we we couldn't at that time get a policy in place and you didn't have one.\n\nYep. You were also like, you you you were also sort of quite quite, I guess, asset rich in the in the fact that you had quite a bit of equity in your mortgage and a number of other assets that, you know, you could obviously sell off to sort of net any of the debts that you had. So with with where you were sort of at, it it was kind of, you know, trying to take out a new policy was gonna be very, very expensive. I know that you had you had a conversation with one of my colleagues, Alan, back a few years ago. And, I guess, to to to quote it, you didn't want anything that was gonna cost an arm and a leg.\n\nAnd the policy that if we were gonna take anything out because of your arthritis, was basically going to, a, cost quite a lot, and, b, exclude your condition, which would make it very difficult for you to claim on on anything. Yeah. Yeah. Do you know whether you like, did you engage anyone before, like, Oakview Financial? Because, like, you've had no insurance before us.\n\nYeah. There are options. Like, there's no insurance that you hold, but there is the possibility that you could claim what's called permanent incapacity under your superannuation fund and start receiving a benefit, like an income stream from your superannuation account if it's income that you're sort of looking or needing. Yeah. Yeah.\n\nYeah. Yeah. I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your like, the account history to see whether they hold any information, like, prior to us, and see whether they're willing to disclose it or whether it you know, whether I can find anything out and go from there. Yes. So the statement of advice that we originally issued to you let me just grab it back up.\n\nSorry. I closed it. Where did it go? There it is. So statement of advice that was presented to you was presented back in February on the twenty first in twenty twenty two.\n\nSo 2021 to '22. Not so when you when you came on with us, you were all you you were with no. Yeah. You were with BC Panorama. The meet workers' union, so that is what were they called?\n\nAMIST, a m I s t. Before AMIST, there was m e I s t, I think it was called, that existed across across the, yeah, across the last sort of decade, half a decade, there've been a lot of super funds that have closed and rolled into each other. So the MEIST one doesn't exist anymore. It consolidated into I can't remember because it was probably pushing a decade ago. A AMIST doesn't exist anymore.\n\nThey've rolled into another fund as well. So, like, the a lot of the smaller funds that did exist don't anymore. They kind of merged into bigger funds. But a call to the ATO so if you're if you're adamant about doing the doing the the, I guess, the the look into it, a call to the ATO will get you some of the information you're looking for. Because across your history, the ATO has just like you do your tax returns, super funds do their tax returns.\n\nSo when a super fund does their tax return, they basically connect you with the ATO and your super fund via your tax file number. So whenever they submit the tax return for themselves, basically, your superannuation account gets updated with the ATO and the ATO goes fantastic. You still have a super fund. They're just information gathering, I guess, at that point. But you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I don't know.\n\nI I can't guarantee what they have and haven't done. I mean, you could ask them whether they have done that, but it's anyone yeah. Possibly. I mean, unless someone has done something wrong, I just I can tell you vehemently, it is not us. Like, we we've I've I've I'm more than happy to go I I'm more than happy, and I will, after this call, dig a little bit deeper into your file.\n\nBut from what I'm seeing, there is nothing that we've done wrong with respect to to your account or your file. You you came on with no insurance. We looked at it. If you were to undertake it, it was gonna cost a bit of an arm and a leg, and then it was gonna exclude your your condition anyway. And then from there, I can say that when we did the lost super authority, so that lost super search, the the information we got back from the ATO was that like, it's very, very limited information that we sometimes get, but that you had that you had a couple of accounts that were previously open.\n\nSo the last reporting for them was quite a number of years ago. So one of them was one oh, sorry. It was only one of them. One of them was basically Australian ATO held funds. So the ATO was holding money on your behalf, but that's moved over.\n\nWas the Labor Unions Cooperative Retirement Fund, But the last time that reported to the ATO was the twenty seventeen, twenty eighteen tax. Oh, sorry. 2004, 2005 tax year. I apologize. O four or '5.\n\nSo that fund did exist, but that was quite a while. Yeah. Yeah. Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called? Workers' compensation claim?\n\nBecause it's directly correlating to your occupation. Yeah. I mean, you could definitely start with the the union and and have a call with the union and have a chat with them about possible, like, work cover claim to do with, you know, the fact that it's a degenerative degenerative based on the number of years that you've worked in the industry and the effects that you've had. Would you like me would you like me to email through, like, the lost super search that we received from the ATO? Yeah?\n\nIt's got it's got a it's got quite a number of funds on it from, like, the, like, past years. They do say that they some of them say that they're open. Generally, if they haven't reported, so if they say the last reporting date is, you know, say, 2005, they're not gonna be open anymore because the funds have an obligation to report every single year. But I'm I'm more than happy to send it to you. And if you get lost or confused with reading it, you can give me a call and I'm happy to sort of step it out with you along the way.\n\nOkay. It is there did you wanna did you wanna look at maybe a a incapacity claim under your superannuation fund, or we can have a bit of a a further discussion about your finances and how I can possibly help you? Or yeah. Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some scheduled time to sit down with you. Well, when's your calendar free?\n\nEven those without work, sometimes busy. Yeah. Well, would next, say, Tuesday work for you? Because it's Monday's a public holiday for Queensland. So would Tuesday?\n\nAlright. Let's go. Do you wanna go first up in the morning and say 9AM, 10AM? Perfect. Alright.\n\nI will pop you on my calendar now, and we can have a chat next Tuesday, the fifth. Absolutely fine. Not a problem at all. Alright. We'll talk to you then.\n\nSee you, Doug. 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degenerative arthritis.","start":120.89,"end":131.825,"sentiment":"neutral","sentiment_score":-0.1312957360948387},{"text":"Yeah.","start":148.86,"end":149.36,"sentiment":"neutral","sentiment_score":-0.05389853194355965}],"sentiment":"neutral","sentiment_score":-0.1479159602895379,"num_words":56,"start":108.145004,"end":149.36},{"sentences":[{"text":"It was like, when you came on board under Oakview, you had nothing.","start":149.5,"end":153.76001,"sentiment":"neutral","sentiment_score":-0.12686847150325775},{"text":"And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then obviously looked at your personal health physician, occupation, age, and looking at preexisting medical conditions to see whether we could undertake an insurance application.","start":154.67499,"end":176.63,"sentiment":"neutral","sentiment_score":-0.09465117866204957},{"text":"We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy.","start":177.33,"end":187.185,"sentiment":"negative","sentiment_score":-0.4050994696361678},{"text":"Yeah.","start":189.00499,"end":189.325,"sentiment":"neutral","sentiment_score":-0.1739676147699356},{"text":"So we we couldn't at that time get a policy in place and you didn't have one.","start":189.325,"end":194.545,"sentiment":"negative","sentiment_score":-0.449332338922164}],"sentiment":"neutral","sentiment_score":-0.2236365440412093,"num_words":118,"start":149.5,"end":194.545},{"sentences":[{"text":"Yep.","start":196.59,"end":196.83,"sentiment":"neutral","sentiment_score":-0.12853318452835083},{"text":"You were also like, you you you were also sort of quite quite, I guess, asset rich in the in the fact that you had quite a bit of equity in your mortgage and a number of other assets that, you know, you could obviously sell off to sort of net any of the debts that you had.","start":196.83,"end":213.215,"sentiment":"neutral","sentiment_score":-0.2374777231236984},{"text":"So with with where you were sort of at, it it was kind of, you know, trying to take out a new policy was gonna be very, very expensive.","start":220.715,"end":231.21,"sentiment":"negative","sentiment_score":-0.5395128192572758},{"text":"I know that you had you had a conversation with one of my colleagues, Alan, back a few years ago.","start":232.31,"end":236.49,"sentiment":"neutral","sentiment_score":-0.28303306698799136},{"text":"And, I guess, to to to quote it, you didn't want anything that was gonna cost an arm and a leg.","start":239.045,"end":243.865,"sentiment":"negative","sentiment_score":-0.40127988159656525}],"sentiment":"negative","sentiment_score":-0.33826086618179496,"num_words":129,"start":196.59,"end":243.865},{"sentences":[{"text":"And the policy that if we were gonna take anything out because of your arthritis, was basically going to, a, cost quite a lot, and, b, exclude your condition, which would make it very difficult for you to claim on on anything.","start":244.80501,"end":260.16998,"sentiment":"negative","sentiment_score":-0.5401301696186974},{"text":"Yeah.","start":276.325,"end":276.81,"sentiment":"neutral","sentiment_score":-0.15336573123931885},{"text":"Yeah.","start":288.33,"end":288.83,"sentiment":"negative","sentiment_score":-0.33343562483787537},{"text":"Do you know whether you like, did you engage anyone before, like, Oakview Financial?","start":294.865,"end":300.165,"sentiment":"neutral","sentiment_score":-0.08212298527359962},{"text":"Because, like, you've had no insurance before us.","start":300.305,"end":303.285,"sentiment":"neutral","sentiment_score":-0.2932879012078047}],"sentiment":"negative","sentiment_score":-0.4040650527811412,"num_words":66,"start":244.80501,"end":303.285},{"sentences":[{"text":"Yeah.","start":308.78,"end":309.28,"sentiment":"neutral","sentiment_score":-0.21444498002529144},{"text":"There are options.","start":324.875,"end":325.935,"sentiment":"neutral","sentiment_score":-0.13171272228161493},{"text":"Like, there's no insurance that you hold, but there is the possibility that you could claim what's called permanent incapacity under your superannuation fund and start receiving a benefit, like an income stream from your superannuation account if it's income that you're sort of looking or needing.","start":326.075,"end":345.755,"sentiment":"neutral","sentiment_score":-0.09088628223918854},{"text":"Yeah.","start":349.73502,"end":350.23502,"sentiment":"neutral","sentiment_score":-0.2010390013456345},{"text":"Yeah.","start":356.94998,"end":357.44998,"sentiment":"neutral","sentiment_score":-0.2150242030620575}],"sentiment":"neutral","sentiment_score":-0.09994908710414509,"num_words":53,"start":308.78,"end":357.44998},{"sentences":[{"text":"Yeah.","start":366.15,"end":366.65,"sentiment":"neutral","sentiment_score":-0.13323204219341278},{"text":"Yeah.","start":370.085,"end":370.565,"sentiment":"neutral","sentiment_score":0.014691684395074844},{"text":"I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your like, the account history to see whether they hold any information, like, prior to us, and see whether they're willing to disclose it or whether it you know, whether I can find anything out and go from there.","start":370.565,"end":394.36,"sentiment":"neutral","sentiment_score":0.01045547047657753},{"text":"Yes.","start":398.985,"end":399.485,"sentiment":"neutral","sentiment_score":0.1743851602077484},{"text":"So the statement of advice that we originally issued to you let me just grab it back up.","start":399.705,"end":405.38498,"sentiment":"neutral","sentiment_score":0.07091384939849377}],"sentiment":"neutral","sentiment_score":0.023100120608102192,"num_words":88,"start":366.15,"end":405.38498},{"sentences":[{"text":"Sorry.","start":405.38498,"end":405.705,"sentiment":"neutral","sentiment_score":-0.21232420206069944},{"text":"I closed it.","start":405.705,"end":406.44,"sentiment":"neutral","sentiment_score":-0.21088909606138864},{"text":"Where did it go?","start":407.64,"end":408.36002,"sentiment":"neutral","sentiment_score":-0.10820263810455799},{"text":"There it is.","start":408.36002,"end":409.18,"sentiment":"neutral","sentiment_score":0.047297269105911255},{"text":"So statement of advice that was presented to you was presented back in February on the twenty first in twenty twenty two.","start":410.44,"end":418.86002,"sentiment":"neutral","sentiment_score":0.08793193101882935}],"sentiment":"neutral","sentiment_score":0.024199765062693394,"num_words":33,"start":405.38498,"end":418.86002},{"sentences":[{"text":"So 2021 to '22.","start":419.465,"end":421.725,"sentiment":"neutral","sentiment_score":0.02514480473473668},{"text":"Not so when you when you came on with us, you were all you you were with no.","start":432.36002,"end":437.80002,"sentiment":"neutral","sentiment_score":-0.31814232220252353},{"text":"Yeah.","start":437.80002,"end":438.12003,"sentiment":"neutral","sentiment_score":-0.06512150913476944},{"text":"You were with BC Panorama.","start":438.12003,"end":439.34003,"sentiment":"neutral","sentiment_score":-0.06832791194319725},{"text":"The meet workers' union, so that is what were they called?","start":440.36002,"end":444.94,"sentiment":"neutral","sentiment_score":-0.011881793764504519}],"sentiment":"neutral","sentiment_score":-0.15803700976837903,"num_words":39,"start":419.465,"end":444.94},{"sentences":[{"text":"AMIST, a m I s t.","start":445.975,"end":449.115,"sentiment":"neutral","sentiment_score":-0.015293338180830082},{"text":"Before AMIST, there was m e I s t, I think it was called, that existed across across the, yeah, across the last sort of decade, half a decade, there've been a lot of super funds that have closed and rolled into each other.","start":449.655,"end":467.87,"sentiment":"neutral","sentiment_score":-0.08294590109620582},{"text":"So the MEIST one doesn't exist anymore.","start":467.87,"end":471.07,"sentiment":"neutral","sentiment_score":-0.25757948628493715},{"text":"It consolidated into I can't remember because it was probably pushing a decade ago.","start":471.07,"end":476.415,"sentiment":"neutral","sentiment_score":-0.21509228966065816},{"text":"A AMIST doesn't exist anymore.","start":476.755,"end":479.45502,"sentiment":"neutral","sentiment_score":-0.2579215049743652}],"sentiment":"neutral","sentiment_score":-0.12954389028202154,"num_words":76,"start":445.975,"end":479.45502},{"sentences":[{"text":"They've rolled into another fund as well.","start":479.515,"end":482.575,"sentiment":"neutral","sentiment_score":-0.1913279209818159},{"text":"So, like, the a lot of the smaller funds that did exist don't anymore.","start":482.95502,"end":487.03,"sentiment":"neutral","sentiment_score":-0.19418374874762126},{"text":"They kind of merged into bigger funds.","start":487.03,"end":489.37,"sentiment":"neutral","sentiment_score":-0.24094685912132263},{"text":"But a call to the ATO so if you're if you're adamant about doing the doing the the, I guess, the the look into it, a call to the ATO will get you some of the information you're looking for.","start":491.67,"end":502.615,"sentiment":"neutral","sentiment_score":0.07401355355978012},{"text":"Because across your history, the ATO has just like you do your tax returns, super funds do their tax returns.","start":502.675,"end":509.655,"sentiment":"neutral","sentiment_score":0.022423345036804675}],"sentiment":"neutral","sentiment_score":-0.02653962386433374,"num_words":88,"start":479.515,"end":509.655},{"sentences":[{"text":"So when a super fund does their tax return, they basically connect you with the ATO and your super fund via your tax file number.","start":509.79498,"end":518.37,"sentiment":"neutral","sentiment_score":0.16393361672759055},{"text":"So whenever they submit the tax return for themselves, basically, your superannuation account gets updated with the ATO and the ATO goes fantastic.","start":518.51,"end":528.36505,"sentiment":"positive","sentiment_score":0.3791144328272861},{"text":"You still have a super fund.","start":528.36505,"end":529.66504,"sentiment":"neutral","sentiment_score":0.29256491363048553},{"text":"They're just information gathering, I guess, at that point.","start":531.085,"end":533.42505,"sentiment":"neutral","sentiment_score":0.13476408024628958},{"text":"But you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I don't know.","start":533.72504,"end":553.03503,"sentiment":"neutral","sentiment_score":0.058500823354528796}],"sentiment":"neutral","sentiment_score":0.18723153299156656,"num_words":94,"start":509.79498,"end":553.03503},{"sentences":[{"text":"I I can't guarantee what they have and haven't done.","start":553.09503,"end":555.655,"sentiment":"neutral","sentiment_score":-0.23390632271766662},{"text":"I mean, you could ask them whether they have done that, but it's anyone yeah.","start":555.655,"end":571.61,"sentiment":"neutral","sentiment_score":-0.14663164963324865},{"text":"Possibly.","start":571.75,"end":572.25,"sentiment":"neutral","sentiment_score":-0.21863991022109985},{"text":"I mean, unless someone has done something wrong, I just I can tell you vehemently, it is not us.","start":572.63,"end":580.005,"sentiment":"neutral","sentiment_score":-0.32374990300128337},{"text":"Like, we we've I've I've I'm more than happy to go I I'm more than happy, and I will, after this call, dig a little bit deeper into your file.","start":580.005,"end":587.945,"sentiment":"neutral","sentiment_score":0.08892386443912983}],"sentiment":"neutral","sentiment_score":-0.10987613474329312,"num_words":75,"start":553.09503,"end":587.945},{"sentences":[{"text":"But from what I'm seeing, there is nothing that we've done wrong with respect to to your account or your file.","start":588.405,"end":593.96,"sentiment":"neutral","sentiment_score":-0.1330607146734283},{"text":"You you came on with no insurance.","start":593.96,"end":595.74005,"sentiment":"neutral","sentiment_score":-0.14624531141349248},{"text":"We looked at it.","start":595.96,"end":597.02,"sentiment":"neutral","sentiment_score":-0.15870819240808487},{"text":"If you were to undertake it, it was gonna cost a bit of an arm and a leg, and then it was gonna exclude your your condition anyway.","start":597.24005,"end":604.84503,"sentiment":"neutral","sentiment_score":-0.21505343062537058},{"text":"And then from there, I can say that when we did the lost super authority, so that lost super search, the the information we got back from the ATO was that like, it's very, very limited information that we sometimes get, but that you had that you had a couple of accounts that were previously open.","start":607.865,"end":634.71497,"sentiment":"neutral","sentiment_score":-0.11242418779459383}],"sentiment":"neutral","sentiment_score":-0.14456961665238285,"num_words":116,"start":588.405,"end":634.71497},{"sentences":[{"text":"So the last reporting for them was quite a number of years ago.","start":634.71497,"end":638.33496,"sentiment":"neutral","sentiment_score":-0.08451462508394168},{"text":"So one of them was one oh, sorry.","start":638.635,"end":642.81,"sentiment":"neutral","sentiment_score":-0.035703114001080394},{"text":"It was only one of them.","start":642.81,"end":643.69,"sentiment":"neutral","sentiment_score":-0.060699474066495895},{"text":"One of them was basically Australian ATO held funds.","start":643.69,"end":647.05,"sentiment":"neutral","sentiment_score":-0.03849368169903755},{"text":"So the ATO was holding money on your behalf, but that's moved over.","start":647.05,"end":650.27,"sentiment":"neutral","sentiment_score":-0.05534746354589096}],"sentiment":"neutral","sentiment_score":-0.05743820497728124,"num_words":49,"start":634.71497,"end":650.27},{"sentences":[{"text":"Was the Labor Unions Cooperative Retirement Fund, But the last time that reported to the ATO was the twenty seventeen, twenty eighteen tax.","start":650.73,"end":660.09503,"sentiment":"neutral","sentiment_score":-0.11237999889999628},{"text":"Oh, sorry.","start":660.315,"end":660.79504,"sentiment":"neutral","sentiment_score":-0.09419114515185356},{"text":"2004, 2005 tax year.","start":660.79504,"end":662.635,"sentiment":"neutral","sentiment_score":-0.07156454771757126},{"text":"I apologize.","start":662.635,"end":663.215,"sentiment":"neutral","sentiment_score":-0.09743455797433853},{"text":"O four or '5.","start":663.515,"end":664.655,"sentiment":"neutral","sentiment_score":-0.022873408626765013}],"sentiment":"neutral","sentiment_score":-0.09559266303798981,"num_words":35,"start":650.73,"end":664.655},{"sentences":[{"text":"So that fund did exist, but that was quite a while.","start":665.91504,"end":672.52997,"sentiment":"neutral","sentiment_score":-0.19626743414185263},{"text":"Yeah.","start":689.725,"end":689.885,"sentiment":"neutral","sentiment_score":0.04634346067905426},{"text":"Yeah.","start":689.885,"end":690.385,"sentiment":"neutral","sentiment_score":0.1126447170972824},{"text":"Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called?","start":690.685,"end":696.83997,"sentiment":"neutral","sentiment_score":0.04086387222227843},{"text":"Workers' compensation claim?","start":696.83997,"end":698.13995,"sentiment":"neutral","sentiment_score":-0.08395032833019893}],"sentiment":"neutral","sentiment_score":-0.03363937235031372,"num_words":39,"start":665.91504,"end":698.13995},{"sentences":[{"text":"Because it's directly correlating to your occupation.","start":699.0,"end":702.22,"sentiment":"neutral","sentiment_score":-0.04368272902710097},{"text":"Yeah.","start":737.445,"end":737.945,"sentiment":"neutral","sentiment_score":0.06809946894645691},{"text":"I mean, you could definitely start with the the union and and have a call with the union and have a chat with them about possible, like, work cover claim to do with, you know, the fact that it's a degenerative degenerative based on the number of years that you've worked in the industry and the effects that you've had.","start":738.24506,"end":756.88,"sentiment":"neutral","sentiment_score":-0.004197883916397889},{"text":"Would you like me would you like me to email through, like, the lost super search that we received from the ATO?","start":758.38,"end":765.065,"sentiment":"neutral","sentiment_score":0.042135224931619385},{"text":"Yeah?","start":767.525,"end":768.025,"sentiment":"neutral","sentiment_score":0.1233452707529068}],"sentiment":"neutral","sentiment_score":0.006162280769466044,"num_words":91,"start":699.0,"end":768.025},{"sentences":[{"text":"It's got it's got a it's got quite a number of funds on it from, like, the, like, past years.","start":768.48505,"end":774.325,"sentiment":"neutral","sentiment_score":0.01475624330341816},{"text":"They do say that they some of them say that they're open.","start":774.325,"end":777.385,"sentiment":"neutral","sentiment_score":-0.008797544365127882},{"text":"Generally, if they haven't reported, so if they say the last reporting date is, you know, say, 2005, they're not gonna be open anymore because the funds have an obligation to report every single year.","start":778.31,"end":788.65,"sentiment":"neutral","sentiment_score":-0.09518654527408736},{"text":"But I'm I'm more than happy to send it to you.","start":789.03,"end":791.60504,"sentiment":"positive","sentiment_score":0.6177978759462183},{"text":"And if you get lost or confused with reading it, you can give me a call and I'm happy to sort of step it out with you along the way.","start":791.60504,"end":798.825,"sentiment":"positive","sentiment_score":0.39463631038864455}],"sentiment":"neutral","sentiment_score":0.14345269626075471,"num_words":108,"start":768.48505,"end":798.825},{"sentences":[{"text":"Okay.","start":801.445,"end":801.945,"sentiment":"neutral","sentiment_score":0.1287611573934555},{"text":"It is there did you wanna did you wanna look at maybe a a incapacity claim under your superannuation fund, or we can have a bit of a a further discussion about your finances and how I can possibly help you?","start":803.86,"end":814.10004,"sentiment":"neutral","sentiment_score":0.09299107104903315},{"text":"Or yeah.","start":814.10004,"end":818.005,"sentiment":"neutral","sentiment_score":0.112245574593544},{"text":"Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some scheduled time to sit down with you.","start":818.145,"end":826.565,"sentiment":"neutral","sentiment_score":0.12218238108537414},{"text":"Well, when's your calendar free?","start":828.48,"end":830.18,"sentiment":"neutral","sentiment_score":0.01695404779165983}],"sentiment":"neutral","sentiment_score":0.10100823212642132,"num_words":82,"start":801.445,"end":830.18},{"sentences":[{"text":"Even those without work, sometimes busy.","start":835.44,"end":838.18,"sentiment":"neutral","sentiment_score":-0.07530841728051503},{"text":"Yeah.","start":848.095,"end":848.575,"sentiment":"neutral","sentiment_score":0.04167228937149048},{"text":"Well, would next, say, Tuesday work for you?","start":848.575,"end":851.455,"sentiment":"neutral","sentiment_score":0.08985731843858957},{"text":"Because it's Monday's a public holiday for Queensland.","start":851.455,"end":855.17004,"sentiment":"neutral","sentiment_score":0.029090559342876077},{"text":"So would Tuesday?","start":855.55005,"end":857.49,"sentiment":"neutral","sentiment_score":0.05294620245695114}],"sentiment":"neutral","sentiment_score":0.026932439050422266,"num_words":26,"start":835.44,"end":857.49},{"sentences":[{"text":"Alright.","start":857.55005,"end":857.87,"sentiment":"neutral","sentiment_score":0.09224919974803925},{"text":"Let's go.","start":857.87,"end":858.43,"sentiment":"neutral","sentiment_score":0.07046799547970295},{"text":"Do you wanna go first up in the morning and say 9AM, 10AM?","start":858.43,"end":861.81,"sentiment":"neutral","sentiment_score":0.06959604385953683},{"text":"Perfect.","start":865.32495,"end":865.805,"sentiment":"positive","sentiment_score":0.7852937579154968},{"text":"Alright.","start":865.805,"end":866.125,"sentiment":"positive","sentiment_score":0.48309192061424255}],"sentiment":"neutral","sentiment_score":0.1336844133006202,"num_words":18,"start":857.55005,"end":866.125},{"sentences":[{"text":"I will pop you on my calendar now, and we can have a chat next Tuesday, the fifth.","start":866.125,"end":871.105,"sentiment":"positive","sentiment_score":0.398475824130906},{"text":"Absolutely fine.","start":873.79083,"end":874.67084,"sentiment":"positive","sentiment_score":0.7280471324920654},{"text":"Not a problem at all.","start":874.67084,"end":875.9708,"sentiment":"positive","sentiment_score":0.5372908174991607},{"text":"Alright.","start":877.23083,"end":877.55084,"sentiment":"neutral","sentiment_score":0.3314685821533203},{"text":"We'll talk to you then.","start":877.55084,"end":878.5909,"sentiment":"neutral","sentiment_score":0.3330052614212036}],"sentiment":"positive","sentiment_score":0.4294067121321155,"num_words":31,"start":866.125,"end":878.5909},{"sentences":[{"text":"See you, Doug.","start":878.5909,"end":879.49084,"sentiment":"neutral","sentiment_score":0.24970634778340658},{"text":"Bye.","start":880.51086,"end":881.01086,"sentiment":"neutral","sentiment_score":-0.11521201580762865}],"sentiment":"neutral","sentiment_score":0.15847675688564777,"num_words":4,"start":878.5909,"end":881.01086}]}}]},{"alternatives":[{"transcript":"Oh, not too bad. Thanks. Mhmm. Yep. Right. Right. Yeah. Yeah. Alright. Alright. Yeah. Well, somewhere along the line, someone's advised me not to have that disability insurance. And from what I can gather, because of my career and what I've done in my life, is it's it shouldn't have been advised to drop it. That's all. Yeah. Oh, really? Damn. Really? That's quite interesting, ain't it? Because I started working the meat work game when I was 15, so this sort of this degenerative arthritis is a direct cause of my job, you see, where walking on concrete all my life and stuff like that. But somewhere along the line, something's going a little bit funny here and you know what I mean? Like, this superannuation sort of things is quite quite challenging for for for people like the good self. And I'm just not really convinced on what's really going down with all this. That's all. Feels like I I I look. I I wouldn't have a I I got no idea at at at all. I've had a I've had a lawyer in that look at it now, and I don't think they've looked at it properly either. But, anyway, I'm just trying to work it all out to see because I need some sort of assistance in some way because it's just I'm only 54, and I'm devastated. I can't do anything. You know what I mean? Right. Yeah. Well, I I sorta I gotta try and see if I can get on the disability pension as well, but, I mean, that's a fair challenge these days as well for someone that's just at my sort of a caliber. You know what I mean? Isn't it? It's just like these real big, hungry money making people are just feeding off the off the middle class like you wouldn't believe. But, anyway, I just gotta try and get to the bottom of something something. Yeah. Yeah. Yeah. Am I so I signed up with you guys in 2022, you say? Yep. Because I would have been mister originally, I would have been mister Meatworkers Junior. She ring the white ring, wouldn't I? Right? Because somebody I wasn't saying that. Mhmm. Yeah. Right. Yep. Yep. Yeah. Yeah. Yep. Yep. I would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they? Yeah. It seems like I don't have much of it. It seems like I don't have much of a chance of getting anywhere with it, isn't it? That's where I'm sitting in. Yeah. Yeah. I can. Yep. Yep. Yeah. Just say s s p heavy duty one side. Alright. Mhmm. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Alright. But there'd be no enough no no things going back through that one either, would there? I'm trying to work out where this insurance has been dropped off. That's all in the first place. Because I've been I was diagnosed a fair while ago with these issues, but anyway okay. Yes. Well, I sorta yeah. I don't know how that is sort of panning out really either, but I mean, it I worked from one one joint from quite a few years, and then I ended up going to different meet work. So all would have been still going through the meet workers union or the meet workers Superannuation, I should say. I was in Queensland for a few hours and the Meatworks up there too. So I don't know if they're all joined together or not. I don't know. Yep. Yep. Yeah. That'll be yeah. That'll be okay. Yep. Yep. Yep. Yeah. Okay. Yep. No worries. Okay. No worries. Right. Yeah. Yeah. I'm more than happy to do something like that. Yeah. Okay then. Yep. Yep. Yep. Yep. No problems at all. Yep. Well, I don't work this way. So I'm sort of just not true. But I'm just I'm more than happy to to fit in to try and see where we can where I can get something happening for myself as well. Yep. Yeah. That'd be fine. Yep. Yep. Yep. That'd be awesome. I appreciate your help anyway or your time. That's all good. Good on you. Okay. 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Thanks. Mhmm. Yep. Right.\n\nRight. Yeah. Yeah. Alright. Alright.\n\nYeah. Well, somewhere along the line, someone's advised me not to have that disability insurance. And from what I can gather, because of my career and what I've done in my life, is it's it shouldn't have been advised to drop it. That's all. Yeah.\n\nOh, really? Damn. Really? That's quite interesting, ain't it? Because I started working the meat work game when I was 15, so this sort of this degenerative arthritis is a direct cause of my job, you see, where walking on concrete all my life and stuff like that.\n\nBut somewhere along the line, something's going a little bit funny here and you know what I mean? Like, this superannuation sort of things is quite quite challenging for for for people like the good self. And I'm just not really convinced on what's really going down with all this. That's all. Feels like I I I look.\n\nI I wouldn't have a I I got no idea at at at all. I've had a I've had a lawyer in that look at it now, and I don't think they've looked at it properly either. But, anyway, I'm just trying to work it all out to see because I need some sort of assistance in some way because it's just I'm only 54, and I'm devastated. I can't do anything. You know what I mean?\n\nRight. Yeah. Well, I I sorta I gotta try and see if I can get on the disability pension as well, but, I mean, that's a fair challenge these days as well for someone that's just at my sort of a caliber. You know what I mean? Isn't it?\n\nIt's just like these real big, hungry money making people are just feeding off the off the middle class like you wouldn't believe. But, anyway, I just gotta try and get to the bottom of something something. Yeah. Yeah. Yeah.\n\nAm I so I signed up with you guys in 2022, you say? Yep. Because I would have been mister originally, I would have been mister Meatworkers Junior. She ring the white ring, wouldn't I? Right?\n\nBecause somebody I wasn't saying that. Mhmm. Yeah. Right. Yep.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nI would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they? Yeah. It seems like I don't have much of it. It seems like I don't have much of a chance of getting anywhere with it, isn't it? That's where I'm sitting in.\n\nYeah. Yeah. I can. Yep. Yep.\n\nYeah. Just say s s p heavy duty one side. Alright. Mhmm. Yep.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nAlright. But there'd be no enough no no things going back through that one either, would there? I'm trying to work out where this insurance has been dropped off. That's all in the first place. Because I've been I was diagnosed a fair while ago with these issues, but anyway okay.\n\nYes. Well, I sorta yeah. I don't know how that is sort of panning out really either, but I mean, it I worked from one one joint from quite a few years, and then I ended up going to different meet work. So all would have been still going through the meet workers union or the meet workers Superannuation, I should say. I was in Queensland for a few hours and the Meatworks up there too.\n\nSo I don't know if they're all joined together or not. I don't know. Yep. Yep. Yeah.\n\nThat'll be yeah. That'll be okay. Yep. Yep. Yep.\n\nYeah. Okay. Yep. No worries. Okay.\n\nNo worries. Right. Yeah. Yeah. I'm more than happy to do something like that.\n\nYeah. Okay then. Yep. Yep. Yep.\n\nYep. No problems at all. Yep. Well, I don't work this way. So I'm sort of just not true.\n\nBut I'm just I'm more than happy to to fit in to try and see where we can where I can get something happening for myself as well. Yep. Yeah. That'd be fine. Yep.\n\nYep. Yep. That'd be awesome. I appreciate your help anyway or your time. That's all good.\n\nGood on you. Okay. Bye bye.","paragraphs":[{"sentences":[{"text":"Oh, not too bad.","start":6.64,"end":7.52,"sentiment":"positive","sentiment_score":0.37566938996315},{"text":"Thanks.","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.6848012208938599},{"text":"Mhmm.","start":38.72,"end":39.22,"sentiment":"neutral","sentiment_score":0.02057810500264168},{"text":"Yep.","start":56.015,"end":56.515,"sentiment":"neutral","sentiment_score":0.00671027135103941},{"text":"Right.","start":75.555,"end":76.055,"sentiment":"neutral","sentiment_score":0.03412877395749092}],"sentiment":"neutral","sentiment_score":0.281111991382204,"num_words":8,"start":6.64,"end":76.055},{"sentences":[{"text":"Right.","start":78.595,"end":79.095,"sentiment":"neutral","sentiment_score":0.025501620024442673},{"text":"Yeah.","start":92.42,"end":92.92,"sentiment":"neutral","sentiment_score":-0.003935934975743294},{"text":"Yeah.","start":98.765,"end":99.265,"sentiment":"neutral","sentiment_score":-0.03594628721475601},{"text":"Alright.","start":107.245,"end":107.745,"sentiment":"neutral","sentiment_score":-0.07506886124610901},{"text":"Alright.","start":123.34,"end":123.84,"sentiment":"neutral","sentiment_score":-0.061835285276174545}],"sentiment":"neutral","sentiment_score":-0.030256949737668036,"num_words":5,"start":78.595,"end":123.84},{"sentences":[{"text":"Yeah.","start":133.175,"end":133.415,"sentiment":"neutral","sentiment_score":-0.0862351506948471},{"text":"Well, 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mean?","start":323.355,"end":324.42502,"sentiment":"neutral","sentiment_score":-0.25008667409420016}],"sentiment":"neutral","sentiment_score":-0.3247031378862146,"num_words":77,"start":304.74,"end":324.42502},{"sentences":[{"text":"Right.","start":336.49,"end":336.99,"sentiment":"neutral","sentiment_score":-0.00544353574514389},{"text":"Yeah.","start":344.665,"end":344.905,"sentiment":"neutral","sentiment_score":-0.05011722445487976},{"text":"Well, I I sorta I gotta try and see if I can get on the disability pension as well, but, I mean, that's a fair challenge these days as well for someone that's just at my sort of a caliber.","start":344.905,"end":354.52,"sentiment":"neutral","sentiment_score":-0.264403042756021},{"text":"You know what I mean?","start":354.52,"end":355.5,"sentiment":"neutral","sentiment_score":-0.22733135521411896},{"text":"Isn't it?","start":357.4,"end":358.2,"sentiment":"neutral","sentiment_score":-0.21456079185009003}],"sentiment":"neutral","sentiment_score":-0.2489277720451355,"num_words":49,"start":336.49,"end":358.2},{"sentences":[{"text":"It's just like these real big, hungry money making people are just feeding off the off the middle class like you wouldn't believe.","start":358.2,"end":365.0,"sentiment":"negative","sentiment_score":-0.5915068634178328},{"text":"But, anyway, I just gotta try and get to the bottom of something something.","start":365.0,"end":369.48502,"sentiment":"neutral","sentiment_score":-0.2042501936001437},{"text":"Yeah.","start":381.79,"end":382.29,"sentiment":"neutral","sentiment_score":0.007016735151410103},{"text":"Yeah.","start":385.79,"end":386.29,"sentiment":"neutral","sentiment_score":-0.008950069546699524},{"text":"Yeah.","start":388.83002,"end":389.33002,"sentiment":"neutral","sentiment_score":-0.06523941457271576}],"sentiment":"negative","sentiment_score":-0.41328333294950426,"num_words":40,"start":358.2,"end":389.33002},{"sentences":[{"text":"Am I so I signed up with you guys in 2022, you say?","start":394.745,"end":398.36502,"sentiment":"neutral","sentiment_score":0.10159923021609966},{"text":"Yep.","start":422.27,"end":422.475,"sentiment":"neutral","sentiment_score":0.024200044572353363},{"text":"Because I would have been mister originally, I would have been mister Meatworkers 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would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they?","start":533.955,"end":549.92004,"sentiment":"neutral","sentiment_score":-0.06213992709914843},{"text":"Yeah.","start":560.14,"end":560.54004,"sentiment":"neutral","sentiment_score":-0.11199359595775604},{"text":"It seems like I don't have much of it.","start":560.54004,"end":563.995,"sentiment":"negative","sentiment_score":-0.38033556938171387},{"text":"It seems like I don't have much of a chance of getting anywhere with it, isn't it?","start":563.995,"end":568.875,"sentiment":"negative","sentiment_score":-0.4376024919397691},{"text":"That's where I'm sitting 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there'd be no enough no no things going back through that one either, would there?","start":669.95,"end":674.525,"sentiment":"neutral","sentiment_score":-0.27697303239256144},{"text":"I'm trying to work out where this insurance has been dropped off.","start":676.98505,"end":680.18506,"sentiment":"neutral","sentiment_score":-0.32759038731455803},{"text":"That's all in the first place.","start":680.18506,"end":681.565,"sentiment":"neutral","sentiment_score":-0.18592382470766702},{"text":"Because I've been I was diagnosed a fair while ago with these issues, but anyway okay.","start":682.10504,"end":690.0,"sentiment":"neutral","sentiment_score":-0.3001186535693705}],"sentiment":"neutral","sentiment_score":-0.2797203214619966,"num_words":51,"start":666.03,"end":690.0},{"sentences":[{"text":"Yes.","start":703.19495,"end":703.69495,"sentiment":"neutral","sentiment_score":0.05983312800526619},{"text":"Well, I sorta 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awesome.","start":863.65497,"end":864.555,"sentiment":"positive","sentiment_score":0.7111732165018717},{"text":"I appreciate your help anyway or your time.","start":870.77496,"end":872.695,"sentiment":"positive","sentiment_score":0.7112551406025887},{"text":"That's all good.","start":872.695,"end":873.595,"sentiment":"positive","sentiment_score":0.7660422325134277}],"sentiment":"positive","sentiment_score":0.6533784596249461,"num_words":16,"start":861.31,"end":873.595},{"sentences":[{"text":"Good on you.","start":875.975,"end":876.875,"sentiment":"positive","sentiment_score":0.7595922152201334},{"text":"Okay.","start":878.8209,"end":879.3209,"sentiment":"neutral","sentiment_score":0.23792007565498352},{"text":"Bye bye.","start":879.3809,"end":880.04095,"sentiment":"neutral","sentiment_score":0.14882848411798477}],"sentiment":"positive","sentiment_score":0.4690589482585589,"num_words":6,"start":875.975,"end":880.04095}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Douglas. My name is Larissa. I'm the head of financial advice. How are you going?\n\nChannel 1: Oh, not too bad. Thanks.\n\nChannel 0: That's good. Maddie was just giving me a bit of a rundown on where things are at with respect to yourself. And sorry for the wait. I was just having a look through your files so I could obviously familiarize myself with where you were when you came on board in 2022 just so I obviously have factual information, and I'm not just talking nonsense. So I've had a look over your file, and I'm still sort of just looking through a few things right now as we talk.\n\nChannel 1: Mhmm.\n\nChannel 0: And I can see that back in 2022, the initial research that we did alongside yourself did show that you had a BT super inch like, super fund or BT\n\nChannel 1: Yep.\n\nChannel 0: panorama is what they're called. Under that BT Panorama, you were invested in a full menu, so you had access to all the assets under that under that option, and that you had no insurance under that super fund. And that was as at the 02/18/2022 before\n\nChannel 1: Right.\n\nChannel 0: you became a client of Oakview Financial.\n\nChannel 1: Right.\n\nChannel 0: We also submitted a an a loss like, a loss super authority. So it's where we do, like, a super search with the ATO\n\nChannel 1: Yeah.\n\nChannel 0: to establish whether you have any other super like, superannuation funds.\n\nChannel 1: Yeah.\n\nChannel 0: And at that time, we didn't find anything under the LSA or with\n\nChannel 1: Alright.\n\nChannel 0: the ATO. So the ATO came back saying that there was no other superannuation funds there. And from all our records, we how we have have and hold. It does actually say that you have had no insurance. When you came on with us,\n\nChannel 1: Alright.\n\nChannel 0: you did have you did disclose that you had, obviously, the degenerative arthritis.\n\nChannel 1: Yeah. Well, somewhere along the line, someone's advised me not to have that disability insurance. And from what I can gather, because of my career and what I've done in my life, is it's it shouldn't have been advised to drop it. That's all.\n\nChannel 0: Yeah. It was like, when you came on board under Oakview, you had nothing. And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then obviously\n\nChannel 1: Yeah.\n\nChannel 0: looked at your personal health physician, occupation, age, and looking at preexisting medical conditions to see whether we could undertake an insurance application. We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy.\n\nChannel 1: Oh, really?\n\nChannel 0: Yeah. So we we\n\nChannel 1: Damn.\n\nChannel 0: couldn't at that time get a policy in place and you didn't have one.\n\nChannel 1: Really?\n\nChannel 0: Yep. You were also like, you you you were also sort of quite quite, I guess, asset rich in the in the fact that you had quite a bit of equity in your mortgage and a number of other assets that, you know, you could obviously sell off to sort of net any of the debts that you had. So with with where you were sort of at, it it was kind of, you know, trying to take out a new policy was gonna be very, very expensive. I know that you had you had a conversation with one of my colleagues, Alan, back a few years ago. And, I guess, to to to quote it, you didn't want anything that was gonna cost an arm and a leg.\n\nAnd the policy that if we were gonna take anything out because of your arthritis, was basically going to, a, cost quite a lot, and, b, exclude your condition, which would make it very difficult for you to claim on on anything.\n\nChannel 1: That's quite interesting, ain't it? Because I started working the meat work game when I was 15, so this sort of this degenerative arthritis is a direct cause of my job, you see, where walking on concrete all my life and stuff like that.\n\nChannel 0: Yeah.\n\nChannel 1: But somewhere along the line, something's going a little bit funny here and you know what I mean? Like, this superannuation sort of things is quite quite challenging for for for people like the good self.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm just not really convinced on what's really going down with all this. That's all.\n\nChannel 0: Do\n\nChannel 1: Feels\n\nChannel 0: you know\n\nChannel 1: like\n\nChannel 0: whether you like, did you engage anyone before, like, Oakview Financial? Because, like, you've had no insurance before us.\n\nChannel 1: I I I look. I I wouldn't have a I I got no idea at at at all.\n\nChannel 0: Yeah.\n\nChannel 1: I've had a I've had a lawyer in that look at it now, and I don't think they've looked at it properly either. But, anyway, I'm just trying to work it all out to see because I need some sort of assistance in some way because it's just I'm only 54, and I'm devastated. I can't do anything. You know what I mean?\n\nChannel 0: There are options. Like, there's no insurance that you hold, but there is the possibility that you could claim what's called permanent incapacity under your superannuation fund and\n\nChannel 1: Right.\n\nChannel 0: start receiving a benefit, like an income stream from your superannuation account if it's income that you're sort of looking\n\nChannel 1: Yeah. Well,\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: needing.\n\nChannel 1: I sorta I gotta try and see if I can get on the disability pension as well, but, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: that's a fair challenge these days as well for someone that's just at my sort of a caliber. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: Isn't it? It's just like these real big, hungry money making people are just feeding off the off the middle class like you wouldn't believe. But, anyway,\n\nChannel 0: Yeah.\n\nChannel 1: I just gotta try and get to the bottom of something something.\n\nChannel 0: Yeah. I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your\n\nChannel 1: Yeah.\n\nChannel 0: like, the account history to see whether they hold any information,\n\nChannel 1: Yeah.\n\nChannel 0: like, prior to us,\n\nChannel 1: Yeah.\n\nChannel 0: and see whether they're willing to disclose it or whether it you know, whether I can find anything out and go from there.\n\nChannel 1: Am I so I signed up with you guys in 2022, you say?\n\nChannel 0: Yes. So the statement of advice that we originally issued to you let me just grab it back up. Sorry. I closed it. Where did it go?\n\nThere it is. So statement of advice that was presented to you was presented back in February on the twenty first in twenty twenty two. So 2021 to '22.\n\nChannel 1: Yep. Because I would have been mister originally, I would have been mister Meatworkers Junior. She ring the white ring, wouldn't I? Right?\n\nChannel 0: Not\n\nChannel 1: Because somebody\n\nChannel 0: so when you when you came on with us, you were all\n\nChannel 1: I wasn't\n\nChannel 0: you you\n\nChannel 1: saying\n\nChannel 0: were with no. Yeah. You were with BC Panorama.\n\nChannel 1: that. Mhmm.\n\nChannel 0: The meet workers' union, so that is what were they called? AMIST, a m I s t.\n\nChannel 1: Yeah.\n\nChannel 0: Before AMIST, there was m e I s t, I think it was called,\n\nChannel 1: Right.\n\nChannel 0: that existed across across the, yeah, across the last sort of decade, half a decade, there've been a lot of super funds that have closed and rolled into each other. So\n\nChannel 1: Yep.\n\nChannel 0: the MEIST one doesn't exist anymore. It consolidated into I can't remember because it was probably pushing a decade ago. A\n\nChannel 1: Yep.\n\nChannel 0: AMIST doesn't exist anymore. They've rolled into another fund as well. So,\n\nChannel 1: Yeah.\n\nChannel 0: like, the a lot of the smaller funds that did exist don't anymore. They kind of merged into bigger funds.\n\nChannel 1: Yeah.\n\nChannel 0: But a call to the ATO so if you're if you're adamant about doing the doing the the, I guess, the the look into it, a call to the ATO will get you some of the information you're looking for. Because\n\nChannel 1: Yep.\n\nChannel 0: across your history, the ATO has just like you do your tax returns, super funds do their tax returns. So when\n\nChannel 1: Yep.\n\nChannel 0: a super fund does their tax return, they basically connect you with the ATO and your super fund via your tax file number. So whenever they submit the tax return for themselves, basically, your superannuation account gets updated with the ATO and the ATO goes fantastic. You still have a super fund. They're just information gathering, I guess, at that point. But\n\nChannel 1: I\n\nChannel 0: you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I\n\nChannel 1: would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they?\n\nChannel 0: don't know. I I can't guarantee what they have and haven't done. I mean, you could ask them whether they have done that, but it's\n\nChannel 1: Yeah. It\n\nChannel 0: anyone\n\nChannel 1: seems like I don't have much of it. It seems like I don't have much of a chance of getting anywhere with it, isn't it? That's where I'm sitting in.\n\nChannel 0: yeah. Possibly. I mean, unless someone has done something wrong, I just I can tell you vehemently, it is not us. Like, we we've I've I've I'm more than\n\nChannel 1: Yeah.\n\nChannel 0: happy to go I I'm more than happy, and I will, after this call, dig a little bit deeper into your file.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: I can.\n\nChannel 0: from what I'm seeing, there is nothing that we've done wrong with respect to to your account or your\n\nChannel 1: Yep.\n\nChannel 0: file. You you came on with\n\nChannel 1: Yep.\n\nChannel 0: no insurance. We looked at it. If you were to undertake it, it was gonna cost a bit of an arm and a leg, and then it was gonna exclude your your condition anyway. And then\n\nChannel 1: Yeah.\n\nChannel 0: from there,\n\nChannel 1: Just say s s p heavy duty one side. Alright.\n\nChannel 0: I can say that when we did the lost super authority, so that lost super search, the\n\nChannel 1: Mhmm.\n\nChannel 0: the information we got back from the ATO was that like, it's very, very limited information that we sometimes get,\n\nChannel 1: Yep.\n\nChannel 0: but that you had that you had a couple of accounts that were previously open. So the last reporting for them was quite a number of years ago.\n\nChannel 1: Yeah.\n\nChannel 0: So one of them was one oh, sorry. It was only one of them. One of them was basically Australian ATO held funds. So the ATO was holding money on your behalf, but that's moved over. Was the Labor Unions Cooperative Retirement Fund, But\n\nChannel 1: Yeah.\n\nChannel 0: the last time that reported to the ATO was the twenty seventeen, twenty eighteen tax. Oh, sorry. 2004, 2005 tax year. I apologize. O four\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Okay.\n\nChannel 0: '5.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: that fund did exist,\n\nChannel 1: But\n\nChannel 0: but\n\nChannel 1: there'd\n\nChannel 0: that was\n\nChannel 1: be no enough no\n\nChannel 0: quite\n\nChannel 1: no\n\nChannel 0: a while.\n\nChannel 1: things going back through that one either, would there? I'm trying to work out where this insurance has been dropped off. That's all in the first place. Because I've been I was diagnosed a fair while ago with these issues, but anyway okay.\n\nChannel 0: Yeah. Yeah. Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called? Workers' compensation claim? Because it's directly correlating to your occupation.\n\nChannel 1: Yes. Well, I sorta yeah. I don't know how that is sort of panning out really either, but I mean, it I worked from one one joint from quite a few years, and then I ended up going to different meet work. So all would have been still going through the meet workers union or the meet workers Superannuation, I should say. I was in Queensland for a few hours and the Meatworks up there too.\n\nSo I don't know if they're all joined together or not. I don't know.\n\nChannel 0: Yeah. I mean, you could definitely start with the the union and and have a call with the union and have a chat with them about\n\nChannel 1: Yep.\n\nChannel 0: possible, like, work cover claim to\n\nChannel 1: Yep.\n\nChannel 0: do with, you know, the fact that it's a degenerative degenerative based on the number of years that you've worked in the industry and the effects that you've had. Would you like me would you like me to email through, like, the lost super search that we received from the ATO?\n\nChannel 1: Yeah. That'll be yeah. That'll be okay.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: It's got it's got a it's got quite a number of funds on it from, like, the, like, past years. They do say that they some of them say that they're open. Generally, if they haven't reported, so if they say the last reporting date is, you know, say, 2005, they're not gonna be open anymore because the funds have an obligation to report every single year.\n\nChannel 1: Yep.\n\nChannel 0: But I'm I'm more than happy to send it to you. And if you\n\nChannel 1: Yep.\n\nChannel 0: get lost or confused with reading it, you can give me a call and I'm happy to sort of step it out with you\n\nChannel 1: Yeah. Okay.\n\nChannel 0: along the way.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Okay.\n\nChannel 1: Okay. No worries.\n\nChannel 0: It is there did you wanna did you wanna look at maybe a a incapacity claim under your superannuation fund, or we can have a bit of a a further discussion about your finances and how I can possibly help\n\nChannel 1: Right.\n\nChannel 0: you? Or\n\nChannel 1: Yeah. Yeah. I'm more than happy to do something like that.\n\nChannel 0: yeah. Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some\n\nChannel 1: Yeah.\n\nChannel 0: scheduled\n\nChannel 1: Okay\n\nChannel 0: time\n\nChannel 1: then. Yep.\n\nChannel 0: to sit\n\nChannel 1: Yep.\n\nChannel 0: down\n\nChannel 1: Yep.\n\nChannel 0: with you.\n\nChannel 1: Yep. No problems at all. Yep.\n\nChannel 0: Well, when's your calendar free?\n\nChannel 1: Well, I don't work this way. So I'm sort of just not\n\nChannel 0: Even\n\nChannel 1: true.\n\nChannel 0: those\n\nChannel 1: But\n\nChannel 0: without\n\nChannel 1: I'm\n\nChannel 0: work,\n\nChannel 1: just\n\nChannel 0: sometimes\n\nChannel 1: I'm\n\nChannel 0: busy.\n\nChannel 1: more than happy to to fit in to try and see where we can where I can get something happening for myself\n\nChannel 0: Yeah. Well,\n\nChannel 1: as\n\nChannel 0: would next, say, Tuesday work\n\nChannel 1: well.\n\nChannel 0: for you? Because it's Monday's\n\nChannel 1: Yep.\n\nChannel 0: a public holiday for Queensland. So\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: That'd be fine. Yep.\n\nChannel 0: Tuesday? Alright. Let's go. Do you wanna go first up in the morning and say 9AM, 10AM?\n\nChannel 1: Yep. Yep. That'd be awesome.\n\nChannel 0: Perfect. Alright. I will pop you on my calendar now, and we can have a chat next Tuesday, the fifth.\n\nChannel 1: I appreciate your help anyway or your time. That's all good.\n\nChannel 0: Absolutely fine. Not a problem at all.\n\nChannel 1: Good on you.\n\nChannel 0: Alright. We'll talk to you then. See you,\n\nChannel 1: Okay.\n\nChannel 0: Doug.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Douglas.","start":2.6399999,"end":3.6,"sentiment":"neutral","sentiment_score":0.13792957365512848},{"text":"My name is Larissa.","start":3.6,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.12787949666380882},{"text":"I'm the head of financial advice.","start":4.3199997,"end":5.44,"sentiment":"neutral","sentiment_score":0.12531504780054092},{"text":"How are you going?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.1670312061905861}],"sentiment":"neutral","sentiment_score":0.13796201534569263,"channel":0,"num_words":16,"start":2.6399999,"end":6.2599998},{"sentences":[{"text":"Oh, not too bad.","start":6.64,"end":7.52,"sentiment":"positive","sentiment_score":0.37566938996315},{"text":"Thanks.","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.6848012208938599}],"sentiment":"positive","sentiment_score":0.437495756149292,"channel":1,"num_words":5,"start":6.64,"end":8.02},{"sentences":[{"text":"That's good.","start":8.559999,"end":9.46,"sentiment":"positive","sentiment_score":0.7349042594432831},{"text":"Maddie was just giving me a bit of a rundown on where things are at with respect to yourself.","start":10.559999,"end":14.98,"sentiment":"neutral","sentiment_score":0.13506446347424858},{"text":"And sorry for the wait.","start":15.785001,"end":16.905,"sentiment":"neutral","sentiment_score":-0.09450877755880356},{"text":"I was just having a look through your files so I could obviously familiarize myself with where you were when you came on board in 2022 just so I obviously have factual information, and I'm not just talking nonsense.","start":16.905,"end":31.439999,"sentiment":"neutral","sentiment_score":-0.04092820046039728},{"text":"So I've had a look over your file, and I'm still sort of just looking through a few things right now as we talk.","start":31.82,"end":38.0,"sentiment":"neutral","sentiment_score":-0.019692695738437276}],"sentiment":"neutral","sentiment_score":0.016793987881182956,"channel":0,"num_words":89,"start":8.559999,"end":38.0},{"sentences":[{"text":"Mhmm.","start":38.72,"end":39.22,"sentiment":"neutral","sentiment_score":0.02057810500264168}],"sentiment":"neutral","sentiment_score":0.02057810500264168,"channel":1,"num_words":1,"start":38.72,"end":39.22},{"sentences":[{"text":"And I can see that back in 2022, the initial research that we did alongside yourself did show that you had a BT super inch like, super fund or BT","start":39.34,"end":56.355003,"sentiment":"neutral","sentiment_score":0.001085262093693018}],"sentiment":"neutral","sentiment_score":0.001085262093693018,"channel":0,"num_words":30,"start":39.34,"end":56.355003},{"sentences":[{"text":"Yep.","start":56.015,"end":56.515,"sentiment":"neutral","sentiment_score":0.00671027135103941}],"sentiment":"neutral","sentiment_score":0.00671027135103941,"channel":1,"num_words":1,"start":56.015,"end":56.515},{"sentences":[{"text":"panorama is what they're called.","start":56.355003,"end":58.44,"sentiment":"neutral","sentiment_score":0.003004725277423859},{"text":"Under that BT Panorama, you were invested in a full menu, so you had access to all the assets under that under that option, and that you had no insurance under that super fund.","start":59.079998,"end":70.455,"sentiment":"neutral","sentiment_score":-0.007489437346949297},{"text":"And that was as at the 02/18/2022 before","start":70.615005,"end":75.735,"sentiment":"neutral","sentiment_score":-0.0017775490414351225}],"sentiment":"neutral","sentiment_score":-0.005400800760439101,"channel":0,"num_words":47,"start":56.355003,"end":75.735},{"sentences":[{"text":"Right.","start":75.555,"end":76.055,"sentiment":"neutral","sentiment_score":0.03412877395749092}],"sentiment":"neutral","sentiment_score":0.03412877395749092,"channel":1,"num_words":1,"start":75.555,"end":76.055},{"sentences":[{"text":"you became a client of Oakview Financial.","start":75.735,"end":77.995,"sentiment":"neutral","sentiment_score":0.036634847787874084}],"sentiment":"neutral","sentiment_score":0.036634847787874084,"channel":0,"num_words":7,"start":75.735,"end":77.995},{"sentences":[{"text":"Right.","start":78.595,"end":79.095,"sentiment":"neutral","sentiment_score":0.025501620024442673}],"sentiment":"neutral","sentiment_score":0.025501620024442673,"channel":1,"num_words":1,"start":78.595,"end":79.095},{"sentences":[{"text":"We also submitted a an a loss like, a loss super authority.","start":79.975,"end":88.59,"sentiment":"neutral","sentiment_score":-0.05420495709404349},{"text":"So it's where we do, like, a super search with the ATO","start":88.81,"end":91.78999,"sentiment":"neutral","sentiment_score":-0.005717535425598423}],"sentiment":"neutral","sentiment_score":-0.029961246259820957,"channel":0,"num_words":24,"start":79.975,"end":91.78999},{"sentences":[{"text":"Yeah.","start":92.42,"end":92.92,"sentiment":"neutral","sentiment_score":-0.003935934975743294}],"sentiment":"neutral","sentiment_score":-0.003935934975743294,"channel":1,"num_words":1,"start":92.42,"end":92.92},{"sentences":[{"text":"to establish whether you have any other super like, superannuation funds.","start":93.21,"end":98.27,"sentiment":"neutral","sentiment_score":-0.027284452522342854}],"sentiment":"neutral","sentiment_score":-0.027284452522342854,"channel":0,"num_words":11,"start":93.21,"end":98.27},{"sentences":[{"text":"Yeah.","start":98.765,"end":99.265,"sentiment":"neutral","sentiment_score":-0.03594628721475601}],"sentiment":"neutral","sentiment_score":-0.03594628721475601,"channel":1,"num_words":1,"start":98.765,"end":99.265},{"sentences":[{"text":"And at that time, we didn't find anything under the LSA or with","start":101.58501,"end":107.345,"sentiment":"neutral","sentiment_score":-0.12150046057426013}],"sentiment":"neutral","sentiment_score":-0.12150046057426013,"channel":0,"num_words":13,"start":101.58501,"end":107.345},{"sentences":[{"text":"Alright.","start":107.245,"end":107.745,"sentiment":"neutral","sentiment_score":-0.07506886124610901}],"sentiment":"neutral","sentiment_score":-0.07506886124610901,"channel":1,"num_words":1,"start":107.245,"end":107.745},{"sentences":[{"text":"the ATO.","start":107.345,"end":108.08501,"sentiment":"neutral","sentiment_score":-0.07222976163029671},{"text":"So the ATO came back saying that there was no other superannuation funds there.","start":108.145004,"end":112.005005,"sentiment":"neutral","sentiment_score":-0.16517392439501627},{"text":"And from all our records, we how we have have and hold.","start":114.65,"end":118.19,"sentiment":"neutral","sentiment_score":-0.12365949029723804},{"text":"It does actually say that you have had no insurance.","start":118.41,"end":120.75,"sentiment":"neutral","sentiment_score":-0.1938427433371544},{"text":"When you came on with us,","start":120.89,"end":123.07,"sentiment":"neutral","sentiment_score":-0.16202916577458382}],"sentiment":"neutral","sentiment_score":-0.15571388128128918,"channel":0,"num_words":44,"start":107.345,"end":123.07},{"sentences":[{"text":"Alright.","start":123.34,"end":123.84,"sentiment":"neutral","sentiment_score":-0.061835285276174545}],"sentiment":"neutral","sentiment_score":-0.061835285276174545,"channel":1,"num_words":1,"start":123.34,"end":123.84},{"sentences":[{"text":"you did have you did disclose that you had, obviously, the degenerative arthritis.","start":123.53,"end":131.825,"sentiment":"neutral","sentiment_score":-0.11711107624264863}],"sentiment":"neutral","sentiment_score":-0.11711107624264863,"channel":0,"num_words":13,"start":123.53,"end":131.825},{"sentences":[{"text":"Yeah.","start":133.175,"end":133.415,"sentiment":"neutral","sentiment_score":-0.0862351506948471},{"text":"Well, somewhere along the line, someone's advised me not to have that disability insurance.","start":133.415,"end":140.475,"sentiment":"neutral","sentiment_score":-0.2721270652753966},{"text":"And from what I can gather, because of my career and what I've done in my life, is it's it shouldn't have been advised to drop it.","start":140.55,"end":147.67,"sentiment":"neutral","sentiment_score":-0.17648716740034245},{"text":"That's all.","start":147.67,"end":148.41,"sentiment":"neutral","sentiment_score":-0.09082268178462982}],"sentiment":"neutral","sentiment_score":-0.20097302154383875,"channel":1,"num_words":44,"start":133.175,"end":148.41},{"sentences":[{"text":"Yeah.","start":148.86,"end":149.36,"sentiment":"neutral","sentiment_score":-0.05389853194355965},{"text":"It was like, when you came on board under Oakview, you had nothing.","start":149.5,"end":153.76001,"sentiment":"neutral","sentiment_score":-0.12686847150325775},{"text":"And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then 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they're willing to disclose it or whether it you know, whether I can find anything out and go from there.","start":389.13998,"end":394.36,"sentiment":"neutral","sentiment_score":0.019475293872149094}],"sentiment":"neutral","sentiment_score":0.019475293872149094,"channel":0,"num_words":23,"start":389.13998,"end":394.36},{"sentences":[{"text":"Am I so I signed up with you guys in 2022, you say?","start":394.745,"end":398.36502,"sentiment":"neutral","sentiment_score":0.10159923021609966}],"sentiment":"neutral","sentiment_score":0.10159923021609966,"channel":1,"num_words":13,"start":394.745,"end":398.36502},{"sentences":[{"text":"Yes.","start":398.985,"end":399.485,"sentiment":"neutral","sentiment_score":0.1743851602077484},{"text":"So the statement of advice that we originally issued to you let me just grab it back 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10AM?","start":858.43,"end":861.81,"sentiment":"neutral","sentiment_score":0.06959604385953683}],"sentiment":"neutral","sentiment_score":0.070368391187752,"channel":0,"num_words":17,"start":856.99,"end":861.81},{"sentences":[{"text":"Yep.","start":861.31,"end":861.735,"sentiment":"neutral","sentiment_score":0.10802751779556274},{"text":"Yep.","start":861.975,"end":862.475,"sentiment":"neutral","sentiment_score":0.22434036433696747},{"text":"That'd be awesome.","start":863.65497,"end":864.555,"sentiment":"positive","sentiment_score":0.7111732165018717}],"sentiment":"positive","sentiment_score":0.4931775063276291,"channel":1,"num_words":5,"start":861.31,"end":864.555},{"sentences":[{"text":"Perfect.","start":865.32495,"end":865.805,"sentiment":"positive","sentiment_score":0.7852937579154968},{"text":"Alright.","start":865.805,"end":866.125,"sentiment":"positive","sentiment_score":0.48309192061424255},{"text":"I will pop you on my calendar now, and we can have a chat next Tuesday, the 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all.","start":874.67084,"end":875.9708,"sentiment":"positive","sentiment_score":0.5372908174991607}],"sentiment":"positive","sentiment_score":0.5917926217828479,"channel":0,"num_words":7,"start":873.79083,"end":875.9708},{"sentences":[{"text":"Good on you.","start":875.975,"end":876.875,"sentiment":"positive","sentiment_score":0.7595922152201334}],"sentiment":"positive","sentiment_score":0.7595922152201334,"channel":1,"num_words":3,"start":875.975,"end":876.875},{"sentences":[{"text":"Alright.","start":877.23083,"end":877.55084,"sentiment":"neutral","sentiment_score":0.3314685821533203},{"text":"We'll talk to you then.","start":877.55084,"end":878.5909,"sentiment":"neutral","sentiment_score":0.3330052614212036},{"text":"See you,","start":878.5909,"end":878.99084,"sentiment":"neutral","sentiment_score":0.27921365201473236}],"sentiment":"neutral","sentiment_score":0.3193652741611004,"channel":0,"num_words":8,"start":877.23083,"end":878.99084},{"sentences":[{"text":"Okay.","start":878.8209,"end":879.3209,"sentiment":"neutral","sentiment_score":0.23792007565498352}],"sentiment":"neutral","sentiment_score":0.23792007565498352,"channel":1,"num_words":1,"start":878.8209,"end":879.3209},{"sentences":[{"text":"Doug.","start":878.99084,"end":879.49084,"sentiment":"neutral","sentiment_score":0.190691739320755}],"sentiment":"neutral","sentiment_score":0.190691739320755,"channel":0,"num_words":1,"start":878.99084,"end":879.49084},{"sentences":[{"text":"Bye bye.","start":879.3809,"end":880.04095,"sentiment":"neutral","sentiment_score":0.14882848411798477}],"sentiment":"neutral","sentiment_score":0.14882848411798477,"channel":1,"num_words":2,"start":879.3809,"end":880.04095},{"sentences":[{"text":"Bye.","start":880.51086,"end":881.01086,"sentiment":"neutral","sentiment_score":-0.11521201580762865}],"sentiment":"neutral","sentiment_score":-0.11521201580762865,"channel":0,"num_words":1,"start":880.51086,"end":881.01086}]},"summary":{"result":"success","short":"L Larissa, the head of financial advice, discusses the customer's personal history and explains their initial research. The customer had no insurance and no knowledge of any superannaps, and may need assistance. The agent suggests calling the ATO for historical data and provides information on the customer's super funds. The speaker also discusses a loss of super authority and a work cover claim related to a union union, and suggests sending the lost super search to the ATO and scheduling an audit to determine if a work cover claim is due. The speaker suggests a public holiday on Tuesday and plans to follow up with the ATO."},"intents":{"segments":[{"text":"We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy. Oh, really?","start_word":425,"end_word":454,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.0003984643}]},{"text":"I've had a I've had a lawyer in that look at it now, and I don't think they've looked at it properly either. But, anyway, I'm just trying to work it all out to see because I need some sort of assistance in some way because it's just I'm only 54, and I'm devastated.","start_word":787,"end_word":840,"intents":[{"intent":"Seek assistance","confidence_score":0.2663421}]},{"text":"I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your Yeah.","start_word":990,"end_word":1019,"intents":[{"intent":"Call bt panorama","confidence_score":0.0010161608}]},{"text":"I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your Yeah. like, the account history to see whether they hold any information, Yeah.","start_word":990,"end_word":1031,"intents":[{"intent":"Check holdings","confidence_score":0.027447108},{"intent":"Check account history","confidence_score":0.038703926}]},{"text":"across your history, the ATO has just like you do your tax returns, super funds do their tax returns. So when Yep.","start_word":1346,"end_word":1367,"intents":[{"intent":"Discuss and organize tax returns","confidence_score":0.00007282901}]},{"text":"But I you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they?","start_word":1429,"end_word":1478,"intents":[{"intent":"Request historical data","confidence_score":0.1795035}]},{"text":"I'm trying to work out where this insurance has been dropped off. That's all in the first place. Because I've been I was diagnosed a fair while ago with these issues, but anyway okay. Yeah. Yeah. Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called? Workers' compensation claim? Because it's directly correlating to your occupation. Yes.","start_word":1840,"end_word":1909,"intents":[{"intent":"Explore insurance options","confidence_score":0.0001409908}]},{"text":"Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some Yeah.","start_word":2267,"end_word":2293,"intents":[{"intent":"Schedule a consultation","confidence_score":0.0014838382}]}]},"sentiments":{"segments":[{"text":"Hi, Douglas. My name is Larissa. I'm the head of financial advice. How are you going?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.13449929654598236},{"text":"Oh, not too bad. Thanks. That's good.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5689703822135925},{"text":"Maddie was just giving me a bit of a rundown on where things are at with respect to yourself. And sorry for the wait. I was just having a look through your files so I could obviously familiarize myself with where you were when you came on board in 2022 just so I obviously have factual information, and I'm not just talking nonsense. So I've had a look over your file, and I'm still sort of just looking through a few things right now as we talk. Mhmm. And I can see that back in 2022, the initial research that we did alongside yourself did show that you had a BT super inch like, super fund or BT Yep. panorama is what they're called. Under that BT Panorama, you were invested in a full menu, so you had access to all the assets under that under that option, and that you had no insurance under that super fund. And that was as at the 02/18/2022 before Right. you became a client of Oakview Financial. Right. We also submitted a an a loss like, a loss super authority. So it's where we do, like, a super search with the ATO Yeah. to establish whether you have any other super like, superannuation funds. Yeah. And at that time, we didn't find anything under the LSA or with Alright. the ATO. So the ATO came back saying that there was no other superannuation funds there. And from all our records, we how we have have and hold. It does actually say that you have had no insurance. When you came on with us, Alright. you did have you did disclose that you had, obviously, the degenerative arthritis. Yeah. Well, somewhere along the line, someone's advised me not to have that disability insurance. And from what I can gather, because of my career and what I've done in my life, is it's it shouldn't have been advised to drop it. That's all. Yeah. It was like, when you came on board under Oakview, you had nothing. And sort of back back in 2022, when we obviously went through and did the investigation on your superannuation fund, established where that fund sat, how it was invested, and where readings sat, and then obviously Yeah. looked at your personal health physician, occupation, age, and looking at preexisting medical conditions to see whether we could undertake an insurance application.","start_word":23,"end_word":424,"sentiment":"neutral","sentiment_score":-0.06592388012775438},{"text":"We identified that you didn't have any insurance and that at the time and because of your conditions, we weren't able to actually take out a new policy.","start_word":425,"end_word":452,"sentiment":"negative","sentiment_score":-0.4082301557064056},{"text":"Oh, really? Yeah.","start_word":453,"end_word":455,"sentiment":"neutral","sentiment_score":-0.18401376903057096},{"text":"So we we Damn. couldn't at that time get a policy in place and you didn't have one.","start_word":456,"end_word":473,"sentiment":"negative","sentiment_score":-0.4759245216846466},{"text":"Really? Yep. You were also like, you you you were also sort of quite quite, I guess, asset rich in the in the fact that you had quite a bit of equity in your mortgage and a number of other assets that, you know, you could obviously sell off to sort of net any of the debts that you had.","start_word":474,"end_word":533,"sentiment":"neutral","sentiment_score":-0.23207637667655945},{"text":"So with with where you were sort of at, it it was kind of, you know, trying to take out a new policy was gonna be very, very expensive.","start_word":534,"end_word":562,"sentiment":"negative","sentiment_score":-0.5527613759040833},{"text":"I know that you had you had a conversation with one of my colleagues, Alan, back a few years ago.","start_word":563,"end_word":582,"sentiment":"neutral","sentiment_score":-0.26456400752067566},{"text":"And, I guess, to to to quote it, you didn't want anything that was gonna cost an arm and a leg. And the policy that if we were gonna take anything out because of your arthritis, was basically going to, a, cost quite a lot, and, b, exclude your condition, which would make it very difficult for you to claim on on anything. That's quite interesting, ain't it? Because I started working the meat work game when I was 15, so this sort of this degenerative arthritis is a direct cause of my job, you see, where walking on concrete all my life and stuff like that.","start_word":583,"end_word":689,"sentiment":"negative","sentiment_score":-0.4949771463871002},{"text":"Yeah. But somewhere along the line, something's going a little bit funny here and you know what I mean?","start_word":690,"end_word":708,"sentiment":"neutral","sentiment_score":-0.21308010816574097},{"text":"Like, this superannuation sort of things is quite quite challenging for for for people like the good self. Yeah. And I'm just not really convinced on what's really going down with all this.","start_word":709,"end_word":741,"sentiment":"negative","sentiment_score":-0.5578303337097168},{"text":"That's all. Do Feels you know like whether you like, did you engage anyone before, like, Oakview Financial? Because, like, you've had no insurance before us. I I I look.","start_word":742,"end_word":771,"sentiment":"neutral","sentiment_score":-0.183177649974823},{"text":"I I wouldn't have a I I got no idea at at at all.","start_word":772,"end_word":785,"sentiment":"negative","sentiment_score":-0.45515426993370056},{"text":"Yeah. I've had a I've had a lawyer in that look at it now, and I don't think they've looked at it properly either. But, anyway, I'm just trying to work it all out to see because I need some sort of assistance in some way because it's just I'm only 54, and I'm devastated.","start_word":786,"end_word":840,"sentiment":"neutral","sentiment_score":-0.2977920472621918},{"text":"I can't do anything.","start_word":841,"end_word":844,"sentiment":"negative","sentiment_score":-0.6847511529922485},{"text":"You know what I mean? There are options. Like, there's no insurance that you hold, but there is the possibility that you could claim what's called permanent incapacity under your superannuation fund and Right. start receiving a benefit, like an income stream from your superannuation account if it's income that you're sort of looking Yeah. Well, or I needing. I sorta I gotta try and see if I can get on the disability pension as well, but, I mean, Yeah.","start_word":845,"end_word":924,"sentiment":"neutral","sentiment_score":-0.11915493756532668},{"text":"that's a fair challenge these days as well for someone that's just at my sort of a caliber.","start_word":925,"end_word":942,"sentiment":"negative","sentiment_score":-0.4069815576076507},{"text":"You know what I mean? Yeah. Isn't it?","start_word":943,"end_word":950,"sentiment":"neutral","sentiment_score":-0.21537168323993683},{"text":"It's just like these real big, hungry money making people are just feeding off the off the middle class like you wouldn't believe.","start_word":951,"end_word":973,"sentiment":"negative","sentiment_score":-0.5724784731864929},{"text":"But, anyway, Yeah. I just gotta try and get to the bottom of something something. Yeah. I I can reach out to BT Panorama on my side and see whether, like, you previously held a an adviser under your account at any time during your Yeah. like, the account history to see whether they hold any information, Yeah. like, prior to us, Yeah. and see whether they're willing to disclose it or whether it you know, whether I can find anything out and go from there. Am I so I signed up with you guys in 2022, you say? Yes. So the statement of advice that we originally issued to you let me just grab it back up. Sorry. I closed it. Where did it go? There it is. So statement of advice that was presented to you was presented back in February on the twenty first in twenty twenty two. So 2021 to '22. Yep. Because I would have been mister originally, I would have been mister Meatworkers Junior.","start_word":974,"end_word":1143,"sentiment":"neutral","sentiment_score":-0.02418918227776885},{"text":"She ring the white ring, wouldn't I?","start_word":1144,"end_word":1150,"sentiment":"negative","sentiment_score":-0.3388097882270813},{"text":"Right? Not Because somebody so when you when you came on with us, you were all I wasn't you you saying were with no. Yeah. You were with BC Panorama. that. Mhmm. The meet workers' union, so that is what were they called? AMIST, a m I s t. Yeah. Before AMIST, there was m e I s t, I think it was called, Right. that existed across across the, yeah, across the last sort of decade, half a decade, there've been a lot of super funds that have closed and rolled into each other. So Yep. the MEIST one doesn't exist anymore. It consolidated into I can't remember because it was probably pushing a decade ago. A Yep. AMIST doesn't exist anymore. They've rolled into another fund as well. So, like, Yeah. the a lot of the smaller funds that did exist don't anymore. They kind of merged into bigger funds. Yeah. But a call to the ATO so if you're if you're adamant about doing the doing the the, I guess, the the look into it, a call to the ATO will get you some of the information you're looking for. Because Yep. across your history, the ATO has just like you do your tax returns, super funds do their tax returns. So when Yep. a super fund does their tax return, they basically connect you with the ATO and your super fund via your tax file number.","start_word":1151,"end_word":1390,"sentiment":"neutral","sentiment_score":-0.06549340027074019},{"text":"So whenever they submit the tax return for themselves, basically, your superannuation account gets updated with the ATO and the ATO goes fantastic.","start_word":1391,"end_word":1413,"sentiment":"positive","sentiment_score":0.3818267583847046},{"text":"You still have a super fund. They're just information gathering, I guess, at that point. But I you can actually call the ATO and you can request for a historical the historical data of all the super funds that you've owned and opened and I would imagine that these little lawyers I had here a little while ago would have done all that, wouldn't they? don't know. I I can't guarantee what they have and haven't done. I mean, you could ask them whether they have done that, but it's Yeah.","start_word":1414,"end_word":1504,"sentiment":"neutral","sentiment_score":-0.01518557034432888},{"text":"It anyone seems like I don't have much of it. It seems like I don't have much of a chance of getting anywhere with it, isn't it?","start_word":1505,"end_word":1531,"sentiment":"negative","sentiment_score":-0.4065421521663666},{"text":"That's where I'm sitting in. yeah. Possibly. I mean, unless someone has done something wrong, I just I can tell you vehemently, it is not us. Like, we we've I've I've I'm more than Yeah. happy to go I I'm more than happy, and I will, after this call, dig a little bit deeper into your file. Yeah. But I can. from what I'm seeing, there is nothing that we've done wrong with respect to to your account or your Yep. file. You you came on with Yep. no insurance. We looked at it. If you were to undertake it, it was gonna cost a bit of an arm and a leg, and then it was gonna exclude your your condition anyway. And then Yeah. from there, Just say s s p heavy duty one side. Alright. I can say that when we did the lost super authority, so that lost super search, the Mhmm. the information we got back from the ATO was that like, it's very, very limited information that we sometimes get, Yep. but that you had that you had a couple of accounts that were previously open. So the last reporting for them was quite a number of years ago. Yeah. So one of them was one oh, sorry. It was only one of them. One of them was basically Australian ATO held funds. So the ATO was holding money on your behalf, but that's moved over. Was the Labor Unions Cooperative Retirement Fund, But Yeah. the last time that reported to the ATO was the twenty seventeen, twenty eighteen tax. Oh, sorry. 2004, 2005 tax year. I apologize. O four Yeah. or Okay. '5. Yeah. So Alright. that fund did exist, But but there'd that was be no enough no quite no a while. things going back through that one either, would there? I'm trying to work out where this insurance has been dropped off. That's all in the first place. Because I've been I was diagnosed a fair while ago with these issues, but anyway okay. Yeah. Yeah. Is there any way you can go back to your employer and, like, and go through with, like, a fair what's it called? Workers' compensation claim? Because it's directly correlating to your occupation. Yes. Well, I sorta yeah. I don't know how that is sort of panning out really either, but I mean, it I worked from one one joint from quite a few years, and then I ended up going to different meet work. So all would have been still going through the meet workers union or the meet workers Superannuation, I should say. I was in Queensland for a few hours and the Meatworks up there too. So I don't know if they're all joined together or not. I don't know. Yeah. I mean, you could definitely start with the the union and and have a call with the union and have a chat with them about Yep. possible, like, work cover claim to Yep. do with, you know, the fact that it's a degenerative degenerative based on the number of years that you've worked in the industry and the effects that you've had. Would you like me would you like me to email through, like, the lost super search that we received from the ATO? Yeah. That'll be yeah. That'll be okay. Yeah? Yep. It's got it's got a it's got quite a number of funds on it from, like, the, like, past years. They do say that they some of them say that they're open. Generally, if they haven't reported, so if they say the last reporting date is, you know, say, 2005, they're not gonna be open anymore because the funds have an obligation to report every single year. Yep.","start_word":1532,"end_word":2160,"sentiment":"neutral","sentiment_score":-0.08589511527198652},{"text":"But I'm I'm more than happy to send it to you. And if you Yep. get lost or confused with reading it, you can give me a call and I'm happy to sort of step it out with you Yeah.","start_word":2161,"end_word":2200,"sentiment":"positive","sentiment_score":0.45809707045555115},{"text":"Okay. along the way. Yep. No worries. Okay. Okay. No worries. It is there did you wanna did you wanna look at maybe a a incapacity claim under your superannuation fund, or we can have a bit of a a further discussion about your finances and how I can possibly help Right. you? Or Yeah. Yeah.","start_word":2201,"end_word":2256,"sentiment":"neutral","sentiment_score":0.1001075878739357},{"text":"I'm more than happy to do something like that.","start_word":2257,"end_word":2265,"sentiment":"positive","sentiment_score":0.4239649772644043},{"text":"yeah. Do you wanna we could schedule a a a time so I can sort of do a bit of an audit first and then dedicate some Yeah. scheduled Okay time then. Yep. to sit Yep. down Yep. with you. Yep. No problems at all. Yep. Well, when's your calendar free? Well, I don't work this way. So I'm sort of just not Even true. those But without I'm work, just sometimes I'm busy. more than happy to to fit in to try and see where we can where I can get something happening for myself Yeah. Well, as would next, say, Tuesday work well. for you? Because it's Monday's Yep. a public holiday for Queensland. So Yeah. would That'd be fine. Yep. Tuesday? Alright. Let's go. Do you wanna go first up in the morning and say 9AM, 10AM? Yep. Yep.","start_word":2266,"end_word":2407,"sentiment":"neutral","sentiment_score":0.05957209127364864},{"text":"That'd be awesome. Perfect. Alright. I will pop you on my calendar now, and we can have a chat next Tuesday, the fifth. I appreciate your help anyway or your time. That's all good. Absolutely fine. Not a problem at all. Good on you.","start_word":2408,"end_word":2451,"sentiment":"positive","sentiment_score":0.5727822780609131},{"text":"Alright. We'll talk to you then. See you, Okay. Doug. Bye bye. Bye.","start_word":2452,"end_word":2464,"sentiment":"neutral","sentiment_score":0.24329163134098053}],"average":{"sentiment":"neutral","sentiment_score":-0.08972164404653285}}}}