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With the choice of payment order, so the how we're gonna withdraw the funds, is that just the because I can't find, like, the asset allocation. Is that just her current asset allocation in Aware, like, pro rata? Yep. Perfect. Yep. Yes. Yeah. Yeah. Yeah. Should be fine. Do they and they used to have a button they used to have a box on here that said pro rata. Do they not have that box there anymore? Yeah. That's fine. Yeah. Okay. No. That's alright. Oh, is this is the bottom? I think you did. Unless the withdrawal form. Yep. Yeah. That's fine. Yeah. No. That's okay. Yeah. That's absolutely fine. I just can't find the statement they sent us with with the asset allocation is on that statement. But perfect. Yeah. Mhmm. It should be fine. Let me have a quick look at the other, see if another statement has exactly which one it is. Let's go to here. It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else. Insurance. Super. Balance. Oh, yeah. Her old thing does say future saver, so that's perfectly fine. Life cycle. Yeah. Yep. No. It's perfect. Did great. Aware rundowns. So rundown we have at the moment. Retained research aware. Let's have a look at this. So asset allocation. Nope. That doesn't say anything that this is. Do you have money invested? Yes. I wonder if this old account summary will have something for us. That's the same thing we got at the moment. It might have to oh, here we go. Oh, but it looks like she changed something there. Yeah. Yeah. So if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it. It would be it would be what the in index is, and there's really nothing else that says that. Index. Conservative balance. You know what I think I would probably just do is I would change it from the balance index to the conservative balance and the balance because when I look at the rundown, it doesn't yeah. You're right. Well, it says she has a list in cash too. We could probably just withdraw it out of the cash, a 100% for the cash. Yeah. Because it's all in cash. They haven't invested any of the money from what I can see. So just do a 100% for the cash account because they've she's got 80,000 sitting in cash. Yeah. Yeah. Yeah. No. Just do it from that. Because, I mean, if we say pro rata anyway, they're just gonna take it from the cash account. Yeah. Yep. Yep. Yep. Yes. So I had a look online. It says that so she because she's in accumulation, she's never had a withdrawal. They won't have her bank account information. They only normally get that when you're in pension phase. So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do. We shouldn't have to. So I did sort of have a quick look when I was talking to her because I said, Andrew, you know that sometimes request, like, a copy of your bank statement to show it. But on the form there, does it say that it's gonna ask her to provide any of the bank statements? Oh, just the ID section. No. That's okay. So we'll probably just if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base. That's fine. As long as the ID is valid, it shouldn't be a problem. Yeah. Yes. Yep. And we'll attach it with the form so it all gets sent off together. Mhmm. No. She's yeah. No. It'll be we'll put into the gross amount, but we want it to be net. So you can put it in if they have the gross I'm just having a quick look at the form. If they have, like, gross and or net, we can just put it in just put 50,000 after tax. It'll be fine. Yep. Beautiful. No worries. Mhmm. Yeah. That's fine. Mhmm. Yeah. So she does have TBD, so we should probably tick that box as well. I declare that my in my current incapacity, I've ceased gainful employment and have met the gainful employment. Yes. She's not working. I mean, she's still getting contributions from workers' compensation, but she's not actually working, and she's never gonna get back to work. Yep. Yep. Sorry. The rest is also sending me messages. We had that one now. Step eight. Step eight. Here we go. Employer. Are you still are you still working for this employer? This question, I think we should ask Larissa because technically technically, she's not working. She's not well, technically, not. She's receiving workers' compensation payments. So we should probably just find out the last date that she physically worked, if she remembers it. Yeah. Yeah. Mhmm. Correct. Is is Larissa there? Can she answer that question for us? Cool. Oh, good. Because I don't know how to fill this form. I hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware. And I was like, oh, we'll give it a go. Cool. And she's getting SCC. What are we ticking that box? Yeah. That's what I'm doing. Because I'm like, she's technically not gainfully employed, but she's still getting the workers' compensation. Yeah. Perfect. Need it again? No. Yeah. That's why I got a really good person last night, and when I was on the insurance stuff with him, I was asking him such sweet questions and being so sweet. Lump sum payer? Yes. I asked her if that she's spoken to the lawyers about that, and she said that she has. Sorry? What? What? Hey. Yes. So I did talk to her about that. She said that she has spoken to them, that they're paying her the regular weekly amount until she turns age 67. She was apparently told that she had to take up a claim or sue them to get the payout figure and that she wasn't willing to do that because this is all under mental health, and she's got major chronic anxiety and stuff. And she's happy if they just pay her each week until the age of 67. Yeah. Yeah. She's she said that it's not changing. She said she had to get the pay for the first twelve months before she got to SGC, and she said at this rate, it's continuing as it is until age 67 that she's aware of. Yeah. And she said that's confirmed that. But she's also got a family. No. Well, she's also probably she also got a family trust that pays her $12,000 a year. Well, she's got TBD. She's had it paid out. So the TBD has been done. I just yeah. I called Aware last night, and I got to the insurance team. And I was like, I'm just wanting to find out about, like, has she had income protection? What's happened? Yeah. Yep. Yep. Yep. Yes. Yeah. Yeah. Yeah. I know. Yeah. Yeah. Absolutely. But, no, he was really lovely. Like, he I just used the same TPA, and I got through the insurance team. And he had a look, and he said he could see that there was a claim. He gave me information. He said there was a claim for IP submitted on the in March, and it was sent through to TAO claims on the March 30. They haven't heard anything back. And she told me that the solicitors sent that off with the TBD stuff, but she was under the impression that it had been stopped because she wasn't eligible. And I was like, look. If you're getting 80% workers' compensation, they're not gonna pay income protection because it's over the 70% threshold. But I think it's worth looking. Sorry? Yeah. It is. It is. Yeah. Their their policy is 70%, but she doesn't know what happened with the income protection claims. So I was like, well, let me put a TPA on file with Tal and see if we can get the information on where it is, what they've done, what's happening with it, how's it been stopped, did they get it, and see what they kind of say. Because it also comes down to what TOW assess it as, and it could be different to what TOW to Aware TOW us. So, I kind of was like and they gave us the number. I gave it to Michelle to call Tal to see. He couldn't give me the claim number that was outside of the TPA requirements. But I've got if we call Tal, I've got the number for Tal claims, and I get Michelle to just give them her information and find out what form we can get her to sign, then we can get her to sign a TPA, have it applied, and then we can do that research for her. Because it looks like I could be able to consolidate. Like, I don't think she's gonna get the income protection claim, but at least we're doing her due diligence. And then we can probably look to consolidate her to hub twenty four from Aware. She does need this money now. So Yeah. Yeah. Pre preexisting thing. Yeah. Yeah. Okay. Cool. Okay. Perfect. Cool. But, yeah, she needed that money kind of now to pay put on her mortgage because she's a bit stressed with how much she owes. She only wanted, like, 40,000 to put on the mortgage and give her a bit of a buffer, and she's gotta pay the solicitors now. And I said, well, let's do that now with a transaction without advice. That way, you get the funds. You can do that now. And she was happy with that because, otherwise, it could take yeah, a bit of time. And the money's sitting in cash, you know, where anyway. So yeah. And she was happy with that. She was like, yeah. That'll get the solicitor off her back. That'll put some money on her mortgage to give her a bit of a buffer and reduce the interest she's paying. And then I was like, I'll go back and do the rest of the research for you. We'll provide the advice and update everything else. And she was like, yeah. Absolutely perfect. So oh, good. Oh, thank you. I just wasn't sure with that form. I was like, oh, I think I need Larissa to help help us with that one question because that's one I've never had to answer before. Okay. Perfect. Perfect. Alright. Perfect. So I'll get the research done to close off Aware and consolidate everything over it. There's no issues with workers' compensation moving SGC. Oh, okay. That's all good. No. That's okay. I'll follow-up with her next week. We'll just get this stuff done for Kate, and I can always come back and chat to her afterwards. Yeah. Yep. Yep. So we have to re certify it. I mean, we could just re rapid ID her and get Savvy to recertify it. Oh, it's get this rapid ID, get Larissa to recertify it. Yeah. We just gotta rapid ID it again to make sure that way that we can certify it within the thirty days. Or was because when was it certified? When was the last one certified? Yeah. Yeah. Yeah. No. Just double check with Larissa what she wants to do. But, realistically, if it if the license is still not expired, if it's still a valid license, we could just run the rapid ID again to reverify it and then get that recertified. I don't see an issue, but double check with Larissa to make sure that's that's okay, yeah, with what she's comfortable with. Yeah. Yeah. Oh, that one was expired in 2022, the one I'm looking at there. Let's have a look at this one. It is expire. Oh, this one here is 2032 expiry. Yeah. Yep. Yeah. That's so good. You're doing a great job. It is. Yeah. And, like, moving forward as, like, we get to do a lot more stuff, you'll find that things take a little bit more time like this. But you'll get faster the more you do them as well. So yeah. All good. No worries. Yes. Yeah. If not, I can call back Aware and see if they can give us the claim number. I just the guy couldn't give it to me last night, so I could always try and find the claim number for the IP claim. Or even when we call Kate, she might even have it. Yeah. Yeah. Okay. It'll be for an income protection claim. Yes. Yeah. They have two separate claims departments that handle those things. Yep. I wonder if it's in the email she sent us the other day because she sent us a whole bunch of documents. TPD claim with aware. Okay. So that's the TPD claim. So you send a letter then no. It's not on here. Lawyers. That's a boy. Yes. Disability benefit. We might have to call Aware and see if they can give us that claim number. They should be okay to give us some sort of information. The guy couldn't last night, but he also had trouble with his screen. So worst case, I can always give him a call later this afternoon and see if I can somehow get it out of them. Yep. All good. Thank you. No worries at all. I will. I'm gonna call Amelia shortly and do her AR. But yeah. Well, if you need me, call me anytime. See you. 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Michelle. No. You're fine. I am. I'm I'm just I'm just replying now.\n\nIt's all good. With the everything's fine. With the choice of payment order, so the how we're gonna withdraw the funds, is that just the because I can't find, like, the asset allocation. Is that just her current asset allocation in Aware, like, pro rata? Yep.\n\nPerfect. Yep. Yes. Yeah. Yeah.\n\nYeah. Should be fine. Do they and they used to have a button they used to have a box on here that said pro rata. Do they not have that box there anymore? Yeah.\n\nThat's fine. Yeah. Okay. No. That's alright.\n\nOh, is this is the bottom? I think you did. Unless the withdrawal form. Yep. Yeah.\n\nThat's fine. Yeah. No. That's okay. Yeah.\n\nThat's absolutely fine. I just can't find the statement they sent us with with the asset allocation is on that statement. But perfect. Yeah. Mhmm.\n\nIt should be fine. Let me have a quick look at the other, see if another statement has exactly which one it is. Let's go to here. It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else. Insurance.\n\nSuper. Balance. Oh, yeah. Her old thing does say future saver, so that's perfectly fine. Life cycle.\n\nYeah. Yep. No. It's perfect. Did great.\n\nAware rundowns. So rundown we have at the moment. Retained research aware. Let's have a look at this. So asset allocation.\n\nNope. That doesn't say anything that this is. Do you have money invested? Yes. I wonder if this old account summary will have something for us.\n\nThat's the same thing we got at the moment. It might have to oh, here we go. Oh, but it looks like she changed something there. Yeah. Yeah.\n\nSo if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it. It would be it would be what the in index is, and there's really nothing else that says that. Index. Conservative balance. You know what I think I would probably just do is I would change it from the balance index to the conservative balance and the balance because when I look at the rundown, it doesn't yeah.\n\nYou're right. Well, it says she has a list in cash too. We could probably just withdraw it out of the cash, a 100% for the cash. Yeah. Because it's all in cash.\n\nThey haven't invested any of the money from what I can see. So just do a 100% for the cash account because they've she's got 80,000 sitting in cash. Yeah. Yeah. Yeah.\n\nNo. Just do it from that. Because, I mean, if we say pro rata anyway, they're just gonna take it from the cash account. Yeah. Yep.\n\nYep. Yep. Yes. So I had a look online. It says that so she because she's in accumulation, she's never had a withdrawal.\n\nThey won't have her bank account information. They only normally get that when you're in pension phase. So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do. We shouldn't have to. So I did sort of have a quick look when I was talking to her because I said, Andrew, you know that sometimes request, like, a copy of your bank statement to show it.\n\nBut on the form there, does it say that it's gonna ask her to provide any of the bank statements? Oh, just the ID section. No. That's okay. So we'll probably just if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base.\n\nThat's fine. As long as the ID is valid, it shouldn't be a problem. Yeah. Yes. Yep.\n\nAnd we'll attach it with the form so it all gets sent off together. Mhmm. No. She's yeah. No.\n\nIt'll be we'll put into the gross amount, but we want it to be net. So you can put it in if they have the gross I'm just having a quick look at the form. If they have, like, gross and or net, we can just put it in just put 50,000 after tax. It'll be fine. Yep.\n\nBeautiful. No worries. Mhmm. Yeah. That's fine.\n\nMhmm. Yeah. So she does have TBD, so we should probably tick that box as well. I declare that my in my current incapacity, I've ceased gainful employment and have met the gainful employment. Yes.\n\nShe's not working. I mean, she's still getting contributions from workers' compensation, but she's not actually working, and she's never gonna get back to work. Yep. Yep. Sorry.\n\nThe rest is also sending me messages. We had that one now. Step eight. Step eight. Here we go.\n\nEmployer. Are you still are you still working for this employer? This question, I think we should ask Larissa because technically technically, she's not working. She's not well, technically, not. She's receiving workers' compensation payments.\n\nSo we should probably just find out the last date that she physically worked, if she remembers it. Yeah. Yeah. Mhmm. Correct.\n\nIs is Larissa there? Can she answer that question for us? Cool. Oh, good. Because I don't know how to fill this form.\n\nI hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware. And I was like, oh, we'll give it a go. Cool. And she's getting SCC. What are we ticking that box?\n\nYeah. That's what I'm doing. Because I'm like, she's technically not gainfully employed, but she's still getting the workers' compensation. Yeah. Perfect.\n\nNeed it again? No. Yeah. That's why I got a really good person last night, and when I was on the insurance stuff with him, I was asking him such sweet questions and being so sweet. Lump sum payer?\n\nYes. I asked her if that she's spoken to the lawyers about that, and she said that she has. Sorry? What? What?\n\nHey. Yes. So I did talk to her about that. She said that she has spoken to them, that they're paying her the regular weekly amount until she turns age 67. She was apparently told that she had to take up a claim or sue them to get the payout figure and that she wasn't willing to do that because this is all under mental health, and she's got major chronic anxiety and stuff.\n\nAnd she's happy if they just pay her each week until the age of 67. Yeah. Yeah. She's she said that it's not changing. She said she had to get the pay for the first twelve months before she got to SGC, and she said at this rate, it's continuing as it is until age 67 that she's aware of.\n\nYeah. And she said that's confirmed that. But she's also got a family. No. Well, she's also probably she also got a family trust that pays her $12,000 a year.\n\nWell, she's got TBD. She's had it paid out. So the TBD has been done. I just yeah. I called Aware last night, and I got to the insurance team.\n\nAnd I was like, I'm just wanting to find out about, like, has she had income protection? What's happened? Yeah. Yep. Yep.\n\nYep. Yes. Yeah. Yeah. Yeah.\n\nI know. Yeah. Yeah. Absolutely. But, no, he was really lovely.\n\nLike, he I just used the same TPA, and I got through the insurance team. And he had a look, and he said he could see that there was a claim. He gave me information. He said there was a claim for IP submitted on the in March, and it was sent through to TAO claims on the March 30. They haven't heard anything back.\n\nAnd she told me that the solicitors sent that off with the TBD stuff, but she was under the impression that it had been stopped because she wasn't eligible. And I was like, look. If you're getting 80% workers' compensation, they're not gonna pay income protection because it's over the 70% threshold. But I think it's worth looking. Sorry?\n\nYeah. It is. It is. Yeah. Their their policy is 70%, but she doesn't know what happened with the income protection claims.\n\nSo I was like, well, let me put a TPA on file with Tal and see if we can get the information on where it is, what they've done, what's happening with it, how's it been stopped, did they get it, and see what they kind of say. Because it also comes down to what TOW assess it as, and it could be different to what TOW to Aware TOW us. So, I kind of was like and they gave us the number. I gave it to Michelle to call Tal to see. He couldn't give me the claim number that was outside of the TPA requirements.\n\nBut I've got if we call Tal, I've got the number for Tal claims, and I get Michelle to just give them her information and find out what form we can get her to sign, then we can get her to sign a TPA, have it applied, and then we can do that research for her. Because it looks like I could be able to consolidate. Like, I don't think she's gonna get the income protection claim, but at least we're doing her due diligence. And then we can probably look to consolidate her to hub twenty four from Aware. She does need this money now.\n\nSo Yeah. Yeah. Pre preexisting thing. Yeah. Yeah.\n\nOkay. Cool. Okay. Perfect. Cool.\n\nBut, yeah, she needed that money kind of now to pay put on her mortgage because she's a bit stressed with how much she owes. She only wanted, like, 40,000 to put on the mortgage and give her a bit of a buffer, and she's gotta pay the solicitors now. And I said, well, let's do that now with a transaction without advice. That way, you get the funds. You can do that now.\n\nAnd she was happy with that because, otherwise, it could take yeah, a bit of time. And the money's sitting in cash, you know, where anyway. So yeah. And she was happy with that. She was like, yeah.\n\nThat'll get the solicitor off her back. That'll put some money on her mortgage to give her a bit of a buffer and reduce the interest she's paying. And then I was like, I'll go back and do the rest of the research for you. We'll provide the advice and update everything else. And she was like, yeah.\n\nAbsolutely perfect. So oh, good. Oh, thank you. I just wasn't sure with that form. I was like, oh, I think I need Larissa to help help us with that one question because that's one I've never had to answer before.\n\nOkay. Perfect. Perfect. Alright. Perfect.\n\nSo I'll get the research done to close off Aware and consolidate everything over it. There's no issues with workers' compensation moving SGC. Oh, okay. That's all good. No.\n\nThat's okay. I'll follow-up with her next week. We'll just get this stuff done for Kate, and I can always come back and chat to her afterwards. Yeah. Yep.\n\nYep. So we have to re certify it. I mean, we could just re rapid ID her and get Savvy to recertify it. Oh, it's get this rapid ID, get Larissa to recertify it. Yeah.\n\nWe just gotta rapid ID it again to make sure that way that we can certify it within the thirty days. Or was because when was it certified? When was the last one certified? Yeah. Yeah.\n\nYeah. No. Just double check with Larissa what she wants to do. But, realistically, if it if the license is still not expired, if it's still a valid license, we could just run the rapid ID again to reverify it and then get that recertified. I don't see an issue, but double check with Larissa to make sure that's that's okay, yeah, with what she's comfortable with.\n\nYeah. Yeah. Oh, that one was expired in 2022, the one I'm looking at there. Let's have a look at this one. It is expire.\n\nOh, this one here is 2032 expiry. Yeah. Yep. Yeah. That's so good.\n\nYou're doing a great job. It is. Yeah. And, like, moving forward as, like, we get to do a lot more stuff, you'll find that things take a little bit more time like this. But you'll get faster the more you do them as well.\n\nSo yeah. All good. No worries. Yes. Yeah.\n\nIf not, I can call back Aware and see if they can give us the claim number. I just the guy couldn't give it to me last night, so I could always try and find the claim number for the IP claim. Or even when we call Kate, she might even have it. Yeah. Yeah.\n\nOkay. It'll be for an income protection claim. Yes. Yeah. They have two separate claims departments that handle those things.\n\nYep. I wonder if it's in the email she sent us the other day because she sent us a whole bunch of documents. TPD claim with aware. Okay. So that's the TPD claim.\n\nSo you send a letter then no. It's not on here. Lawyers. That's a boy. Yes.\n\nDisability benefit. We might have to call Aware and see if they can give us that claim number. They should be okay to give us some sort of information. The guy couldn't last night, but he also had trouble with his screen. So worst case, I can always give him a call later this afternoon and see if I can somehow get it out of them.\n\nYep. All good. Thank you. No worries at all. I will.\n\nI'm gonna call Amelia shortly and do her AR. But yeah. Well, if you need me, call me anytime. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Michelle.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.04831875115633011},{"text":"No.","start":6.24,"end":6.48,"sentiment":"neutral","sentiment_score":-0.06425438821315765},{"text":"You're fine.","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":-0.0071342019364237785},{"text":"I am.","start":7.7599998,"end":8.5,"sentiment":"neutral","sentiment_score":-0.02381325140595436},{"text":"I'm I'm just I'm just replying now.","start":10.0,"end":12.0,"sentiment":"neutral","sentiment_score":0.17694715516907827}],"sentiment":"neutral","sentiment_score":0.08636559239987816,"num_words":14,"start":0.71999997,"end":12.0},{"sentences":[{"text":"It's all good.","start":12.0,"end":12.98,"sentiment":"positive","sentiment_score":0.6531846523284912},{"text":"With the everything's fine.","start":14.155,"end":16.415,"sentiment":"positive","sentiment_score":0.40162935107946396},{"text":"With the choice of payment order, so the how we're gonna withdraw the funds, is that just the because I can't find, like, the asset allocation.","start":16.635,"end":25.055,"sentiment":"neutral","sentiment_score":0.04009993718220638},{"text":"Is that just her current asset allocation in Aware, like, pro rata?","start":25.195,"end":30.05,"sentiment":"neutral","sentiment_score":-0.033525954000651836},{"text":"Yep.","start":30.43,"end":30.93,"sentiment":"neutral","sentiment_score":0.0862332433462143}],"sentiment":"neutral","sentiment_score":0.09331720702998016,"num_words":46,"start":12.0,"end":30.93},{"sentences":[{"text":"Perfect.","start":31.07,"end":31.57,"sentiment":"positive","sentiment_score":0.40933331847190857},{"text":"Yep.","start":35.23,"end":35.73,"sentiment":"neutral","sentiment_score":0.060151197016239166},{"text":"Yes.","start":38.67,"end":39.17,"sentiment":"neutral","sentiment_score":0.030394695699214935},{"text":"Yeah.","start":51.005,"end":51.505,"sentiment":"neutral","sentiment_score":0.02516474388539791},{"text":"Yeah.","start":60.78,"end":61.28,"sentiment":"neutral","sentiment_score":0.005146082490682602}],"sentiment":"neutral","sentiment_score":0.10603800751268863,"num_words":5,"start":31.07,"end":61.28},{"sentences":[{"text":"Yeah.","start":66.415,"end":66.915,"sentiment":"neutral","sentiment_score":-0.006713308393955231},{"text":"Should be fine.","start":67.134995,"end":68.275,"sentiment":"neutral","sentiment_score":-0.00417751632630825},{"text":"Do they and they used to have a button they used to have a box on here that said pro rata.","start":69.695,"end":74.115,"sentiment":"neutral","sentiment_score":-0.024496563045041903},{"text":"Do they not have that box there anymore?","start":74.255,"end":76.195,"sentiment":"neutral","sentiment_score":-0.045087266713380814},{"text":"Yeah.","start":79.31,"end":79.71,"sentiment":"neutral","sentiment_score":-0.027163447812199593}],"sentiment":"neutral","sentiment_score":-0.027103978318764883,"num_words":34,"start":66.415,"end":79.71},{"sentences":[{"text":"That's fine.","start":79.71,"end":80.53,"sentiment":"neutral","sentiment_score":-0.016279026865959167},{"text":"Yeah.","start":85.63,"end":85.95,"sentiment":"neutral","sentiment_score":-0.01238609291613102},{"text":"Okay.","start":85.95,"end":86.43,"sentiment":"neutral","sentiment_score":-0.01759849302470684},{"text":"No.","start":86.43,"end":86.59,"sentiment":"neutral","sentiment_score":-0.054701946675777435},{"text":"That's alright.","start":86.59,"end":87.409996,"sentiment":"neutral","sentiment_score":-0.025084996595978737}],"sentiment":"neutral","sentiment_score":-0.023916368505784442,"num_words":7,"start":79.71,"end":87.409996},{"sentences":[{"text":"Oh, is this is the bottom?","start":97.035,"end":99.195,"sentiment":"neutral","sentiment_score":-0.013946181473632654},{"text":"I think you did.","start":99.195,"end":100.415,"sentiment":"neutral","sentiment_score":-0.007847896311432123},{"text":"Unless the withdrawal form.","start":102.795,"end":104.335,"sentiment":"neutral","sentiment_score":-0.04489205405116081},{"text":"Yep.","start":111.21,"end":111.71,"sentiment":"neutral","sentiment_score":0.04076939821243286},{"text":"Yeah.","start":113.93,"end":114.25,"sentiment":"neutral","sentiment_score":0.042917340993881226}],"sentiment":"neutral","sentiment_score":-0.013184384442865849,"num_words":16,"start":97.035,"end":114.25},{"sentences":[{"text":"That's fine.","start":114.25,"end":115.07,"sentiment":"neutral","sentiment_score":0.12140398100018501},{"text":"Yeah.","start":124.905,"end":125.225,"sentiment":"neutral","sentiment_score":-0.006811369210481644},{"text":"No.","start":125.225,"end":125.465,"sentiment":"neutral","sentiment_score":-0.03803044930100441},{"text":"That's okay.","start":125.465,"end":126.284996,"sentiment":"neutral","sentiment_score":0.019506857730448246},{"text":"Yeah.","start":129.0,"end":129.5,"sentiment":"neutral","sentiment_score":0.005094010382890701}],"sentiment":"neutral","sentiment_score":0.03458198133323874,"num_words":7,"start":114.25,"end":129.5},{"sentences":[{"text":"That's absolutely fine.","start":130.76001,"end":132.2,"sentiment":"positive","sentiment_score":0.38408861060937244},{"text":"I just can't find the statement they sent us with with the asset allocation is on that statement.","start":132.2,"end":136.86,"sentiment":"neutral","sentiment_score":-0.13862980157136917},{"text":"But perfect.","start":137.24,"end":139.82,"sentiment":"neutral","sentiment_score":0.14601431787014008},{"text":"Yeah.","start":143.40001,"end":143.895,"sentiment":"neutral","sentiment_score":-0.0173129104077816},{"text":"Mhmm.","start":145.815,"end":146.315,"sentiment":"neutral","sentiment_score":-0.01827473007142544}],"sentiment":"neutral","sentiment_score":-0.043465184047818184,"num_words":25,"start":130.76001,"end":146.315},{"sentences":[{"text":"It should be fine.","start":151.975,"end":153.515,"sentiment":"neutral","sentiment_score":0.1634098757058382},{"text":"Let me have a quick look at the other, see if another statement has exactly which one it is.","start":154.295,"end":159.8,"sentiment":"neutral","sentiment_score":0.008520551319969328},{"text":"Let's go to here.","start":162.34001,"end":163.88,"sentiment":"neutral","sentiment_score":0.008880700683221221},{"text":"It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else.","start":166.26001,"end":174.68001,"sentiment":"neutral","sentiment_score":-0.01514564836397767},{"text":"Insurance.","start":179.675,"end":180.175,"sentiment":"neutral","sentiment_score":0.0379822850227356}],"sentiment":"neutral","sentiment_score":0.007494234736880352,"num_words":58,"start":151.975,"end":180.175},{"sentences":[{"text":"Super.","start":183.755,"end":184.255,"sentiment":"positive","sentiment_score":0.3866044282913208},{"text":"Balance.","start":189.31001,"end":189.81001,"sentiment":"neutral","sentiment_score":0.23087415099143985},{"text":"Oh, yeah.","start":195.87001,"end":196.35,"sentiment":"neutral","sentiment_score":0.24329113960266113},{"text":"Her old thing does say future saver, so that's perfectly fine.","start":196.35,"end":199.81001,"sentiment":"neutral","sentiment_score":0.18019604005596854},{"text":"Life cycle.","start":201.935,"end":202.915,"sentiment":"neutral","sentiment_score":0.06684437580406666}],"sentiment":"neutral","sentiment_score":0.18940623827716885,"num_words":17,"start":183.755,"end":202.915},{"sentences":[{"text":"Yeah.","start":205.055,"end":205.555,"sentiment":"neutral","sentiment_score":0.020860489457845688},{"text":"Yep.","start":212.015,"end":212.515,"sentiment":"neutral","sentiment_score":0.07950372993946075},{"text":"No.","start":212.655,"end":212.89499,"sentiment":"neutral","sentiment_score":0.14007791876792908},{"text":"It's perfect.","start":212.89499,"end":213.635,"sentiment":"positive","sentiment_score":0.33620283007621765},{"text":"Did great.","start":214.415,"end":215.235,"sentiment":"positive","sentiment_score":0.46143604815006256}],"sentiment":"neutral","sentiment_score":0.2622456992311137,"num_words":7,"start":205.055,"end":215.235},{"sentences":[{"text":"Aware rundowns.","start":217.6,"end":218.5,"sentiment":"neutral","sentiment_score":0.07671798765659332},{"text":"So rundown we have at the moment.","start":218.56001,"end":220.26001,"sentiment":"neutral","sentiment_score":0.023386538826993535},{"text":"Retained research aware.","start":221.76001,"end":223.36,"sentiment":"neutral","sentiment_score":0.028994283949335415},{"text":"Let's have a look at this.","start":223.36,"end":224.66,"sentiment":"neutral","sentiment_score":0.020464864559471607},{"text":"So asset allocation.","start":231.455,"end":233.395,"sentiment":"neutral","sentiment_score":-0.003436134662479162}],"sentiment":"neutral","sentiment_score":0.024600256300930465,"num_words":21,"start":217.6,"end":233.395},{"sentences":[{"text":"Nope.","start":247.03,"end":247.53,"sentiment":"neutral","sentiment_score":-0.09178992360830308},{"text":"That doesn't say anything that this is.","start":247.67,"end":249.91,"sentiment":"neutral","sentiment_score":-0.07631336684737887},{"text":"Do you have money invested?","start":249.91,"end":251.20999,"sentiment":"neutral","sentiment_score":-0.020269761607050896},{"text":"Yes.","start":251.43,"end":251.59,"sentiment":"neutral","sentiment_score":-0.0018907077610492704},{"text":"I wonder if this old account summary will have something for us.","start":251.59,"end":258.355,"sentiment":"neutral","sentiment_score":-0.04708885525663694}],"sentiment":"neutral","sentiment_score":-0.049780356554457776,"num_words":26,"start":247.03,"end":258.355},{"sentences":[{"text":"That's the same thing we got at the moment.","start":259.535,"end":261.475,"sentiment":"neutral","sentiment_score":-0.02552830386492941},{"text":"It might have to oh, here we go.","start":262.415,"end":264.835,"sentiment":"neutral","sentiment_score":-0.01741080521605909},{"text":"Oh, but it looks like she changed something there.","start":266.575,"end":269.315,"sentiment":"neutral","sentiment_score":-0.031202605201138392},{"text":"Yeah.","start":279.81,"end":280.31,"sentiment":"neutral","sentiment_score":-0.01331091858446598},{"text":"Yeah.","start":280.53,"end":281.03,"sentiment":"neutral","sentiment_score":-0.00788815412670374}],"sentiment":"neutral","sentiment_score":-0.02396656057265188,"num_words":28,"start":259.535,"end":281.03},{"sentences":[{"text":"So if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it.","start":285.425,"end":293.745,"sentiment":"neutral","sentiment_score":-0.0008455101245393356},{"text":"It would be it would be what the in index is, and there's really nothing else that says that.","start":293.745,"end":299.93002,"sentiment":"neutral","sentiment_score":-0.021681413054466248},{"text":"Index.","start":302.79,"end":303.29,"sentiment":"neutral","sentiment_score":-0.029364818707108498},{"text":"Conservative balance.","start":304.63,"end":306.09,"sentiment":"neutral","sentiment_score":0.0029852353036403656},{"text":"You know what I think I would probably just do is I would change it from the balance index to the conservative balance and the balance because when I look at the rundown, it doesn't yeah.","start":307.59,"end":325.44,"sentiment":"neutral","sentiment_score":0.04431590862158272}],"sentiment":"neutral","sentiment_score":0.015063320157902413,"num_words":76,"start":285.425,"end":325.44},{"sentences":[{"text":"You're right.","start":325.44,"end":325.97998,"sentiment":"neutral","sentiment_score":0.2561611831188202},{"text":"Well, it says she has a list in cash too.","start":335.0,"end":337.58,"sentiment":"neutral","sentiment_score":-0.040890892036259174},{"text":"We could probably just withdraw it out of the cash, a 100% for the cash.","start":340.20502,"end":344.065,"sentiment":"neutral","sentiment_score":0.01185457706451416},{"text":"Yeah.","start":346.525,"end":347.025,"sentiment":"neutral","sentiment_score":0.10076586902141572},{"text":"Because it's all in cash.","start":347.245,"end":348.70502,"sentiment":"neutral","sentiment_score":0.11626853197813034}],"sentiment":"neutral","sentiment_score":0.029192140325903893,"num_words":33,"start":325.44,"end":348.70502},{"sentences":[{"text":"They haven't invested any of the money from what I can see.","start":349.085,"end":351.98502,"sentiment":"neutral","sentiment_score":0.08036810718476772},{"text":"So just do a 100% for the cash account because they've she's got 80,000 sitting in cash.","start":352.15997,"end":357.69998,"sentiment":"neutral","sentiment_score":0.10825292086776565},{"text":"Yeah.","start":360.0,"end":360.5,"sentiment":"neutral","sentiment_score":0.051424942910671234},{"text":"Yeah.","start":364.095,"end":364.595,"sentiment":"neutral","sentiment_score":0.05793705955147743},{"text":"Yeah.","start":367.615,"end":367.935,"sentiment":"neutral","sentiment_score":-0.029805246740579605}],"sentiment":"neutral","sentiment_score":0.09013355302158743,"num_words":32,"start":349.085,"end":367.935},{"sentences":[{"text":"No.","start":367.935,"end":368.255,"sentiment":"neutral","sentiment_score":-0.15946832299232483},{"text":"Just do it from that.","start":368.255,"end":369.615,"sentiment":"neutral","sentiment_score":-0.12128041088581085},{"text":"Because, I mean, if we say pro rata anyway, they're just gonna take it from the cash account.","start":369.615,"end":373.875,"sentiment":"neutral","sentiment_score":-0.1086199769957198},{"text":"Yeah.","start":376.095,"end":376.595,"sentiment":"neutral","sentiment_score":0.02159135788679123},{"text":"Yep.","start":377.48,"end":377.98,"sentiment":"neutral","sentiment_score":0.10204830020666122}],"sentiment":"neutral","sentiment_score":-0.09989962712503396,"num_words":26,"start":367.935,"end":377.98},{"sentences":[{"text":"Yep.","start":383.80002,"end":384.30002,"sentiment":"neutral","sentiment_score":0.08856754004955292},{"text":"Yep.","start":385.16,"end":385.66,"sentiment":"neutral","sentiment_score":0.07907569408416748},{"text":"Yes.","start":398.135,"end":398.535,"sentiment":"neutral","sentiment_score":-0.008479967713356018},{"text":"So I had a look online.","start":398.535,"end":400.315,"sentiment":"neutral","sentiment_score":-0.01154649443924427},{"text":"It says that so she because she's in accumulation, she's never had a withdrawal.","start":400.535,"end":404.79,"sentiment":"neutral","sentiment_score":-0.06306261968399797}],"sentiment":"neutral","sentiment_score":-0.03447792938222056,"num_words":23,"start":383.80002,"end":404.79},{"sentences":[{"text":"They won't have her bank account information.","start":404.79,"end":406.57,"sentiment":"neutral","sentiment_score":-0.21919419190713338},{"text":"They only normally get that when you're in pension phase.","start":406.71002,"end":409.37003,"sentiment":"neutral","sentiment_score":-0.12268487587571145},{"text":"So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do.","start":409.67,"end":419.125,"sentiment":"neutral","sentiment_score":0.021705102548003195},{"text":"We shouldn't have to.","start":422.945,"end":424.645,"sentiment":"neutral","sentiment_score":0.03886630292981863},{"text":"So I did sort of have a quick look when I was talking to her because I said, Andrew, you know that sometimes request, like, a copy of your bank statement to show it.","start":424.945,"end":435.25,"sentiment":"neutral","sentiment_score":0.026615015806301552}],"sentiment":"neutral","sentiment_score":-0.012349167959216763,"num_words":85,"start":404.79,"end":435.25},{"sentences":[{"text":"But on the form there, does it say that it's gonna ask her to provide any of the bank statements?","start":435.47,"end":441.17,"sentiment":"neutral","sentiment_score":-0.014113268023356796},{"text":"Oh, just the ID section.","start":448.53497,"end":450.055,"sentiment":"neutral","sentiment_score":-0.009760909155011177},{"text":"No.","start":450.055,"end":450.215,"sentiment":"neutral","sentiment_score":-0.06906281411647797},{"text":"That's okay.","start":450.215,"end":450.69498,"sentiment":"neutral","sentiment_score":0.03249218314886093},{"text":"So we'll probably just if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base.","start":450.69498,"end":458.41,"sentiment":"neutral","sentiment_score":0.09358796921487038}],"sentiment":"neutral","sentiment_score":0.038854423065290404,"num_words":54,"start":435.47,"end":458.41},{"sentences":[{"text":"That's fine.","start":463.27,"end":463.83,"sentiment":"positive","sentiment_score":0.4189538508653641},{"text":"As long as the ID is valid, it shouldn't be a problem.","start":463.83,"end":466.65,"sentiment":"neutral","sentiment_score":0.31513721123337746},{"text":"Yeah.","start":476.005,"end":476.165,"sentiment":"neutral","sentiment_score":0.17740805447101593},{"text":"Yes.","start":476.165,"end":476.665,"sentiment":"neutral","sentiment_score":0.18556112051010132},{"text":"Yep.","start":476.725,"end":477.225,"sentiment":"neutral","sentiment_score":0.1809881627559662}],"sentiment":"neutral","sentiment_score":0.30373597495696125,"num_words":17,"start":463.27,"end":477.225},{"sentences":[{"text":"And we'll attach it with the form so it all gets sent off together.","start":477.60498,"end":480.665,"sentiment":"neutral","sentiment_score":0.1715120588030134},{"text":"Mhmm.","start":492.04,"end":492.54,"sentiment":"neutral","sentiment_score":0.20129349827766416},{"text":"No.","start":500.535,"end":500.69498,"sentiment":"neutral","sentiment_score":-0.07237828522920609},{"text":"She's yeah.","start":500.69498,"end":501.895,"sentiment":"neutral","sentiment_score":-0.05254144500941038},{"text":"No.","start":501.895,"end":502.13498,"sentiment":"neutral","sentiment_score":-0.0644342303276062}],"sentiment":"neutral","sentiment_score":0.12424036399706413,"num_words":19,"start":477.60498,"end":502.13498},{"sentences":[{"text":"It'll be we'll put into the gross amount, but we want it to be net.","start":502.13498,"end":508.46002,"sentiment":"neutral","sentiment_score":-0.01672528820733229},{"text":"So you can put it in if they have the gross I'm just having a quick look at the form.","start":508.68002,"end":512.12,"sentiment":"neutral","sentiment_score":0.013335338700562716},{"text":"If they have, like, gross and or net, we can just put it in just put 50,000 after tax.","start":512.12,"end":518.60004,"sentiment":"neutral","sentiment_score":0.009697022798814271},{"text":"It'll be fine.","start":518.60004,"end":519.5,"sentiment":"neutral","sentiment_score":0.0824072336157163},{"text":"Yep.","start":521.595,"end":522.095,"sentiment":"neutral","sentiment_score":0.09181053936481476}],"sentiment":"neutral","sentiment_score":0.009294881453288013,"num_words":58,"start":502.13498,"end":522.095},{"sentences":[{"text":"Beautiful.","start":524.075,"end":524.575,"sentiment":"neutral","sentiment_score":0.2189824730157852},{"text":"No worries.","start":526.795,"end":527.615,"sentiment":"neutral","sentiment_score":0.0840364322066307},{"text":"Mhmm.","start":541.77,"end":542.27,"sentiment":"neutral","sentiment_score":0.06036817654967308},{"text":"Yeah.","start":562.75995,"end":563.07996,"sentiment":"neutral","sentiment_score":0.0729447603225708},{"text":"That's fine.","start":563.07996,"end":563.98,"sentiment":"neutral","sentiment_score":0.1295986995100975}],"sentiment":"neutral","sentiment_score":0.11136652476021222,"num_words":7,"start":524.075,"end":563.98},{"sentences":[{"text":"Mhmm.","start":570.315,"end":570.815,"sentiment":"neutral","sentiment_score":0.05429397150874138},{"text":"Yeah.","start":578.795,"end":579.195,"sentiment":"neutral","sentiment_score":0.1380539834499359},{"text":"So she does have TBD, so we should probably tick that box as well.","start":579.195,"end":585.12,"sentiment":"neutral","sentiment_score":0.13150910713842937},{"text":"I declare that my in my current incapacity, I've ceased gainful employment and have met the gainful employment.","start":586.46,"end":594.0,"sentiment":"neutral","sentiment_score":-0.08331251103017065},{"text":"Yes.","start":594.38,"end":594.7,"sentiment":"neutral","sentiment_score":-0.08655326068401337}],"sentiment":"neutral","sentiment_score":0.012779914161988667,"num_words":35,"start":570.315,"end":594.7},{"sentences":[{"text":"She's not working.","start":594.7,"end":595.59503,"sentiment":"neutral","sentiment_score":-0.28283912936846417},{"text":"I mean, she's still getting contributions from workers' compensation, but she's not actually working, and she's never gonna get back to work.","start":595.59503,"end":602.575,"sentiment":"neutral","sentiment_score":-0.23987966708161615},{"text":"Yep.","start":609.93,"end":610.43,"sentiment":"neutral","sentiment_score":0.005740401800721884},{"text":"Yep.","start":611.69,"end":612.19,"sentiment":"neutral","sentiment_score":-0.02538765035569668},{"text":"Sorry.","start":623.305,"end":623.625,"sentiment":"neutral","sentiment_score":-0.17333295941352844}],"sentiment":"neutral","sentiment_score":-0.22567322399533754,"num_words":28,"start":594.7,"end":623.625},{"sentences":[{"text":"The rest is also sending me messages.","start":623.625,"end":625.245,"sentiment":"neutral","sentiment_score":-0.1425373043332781},{"text":"We had that one now.","start":627.385,"end":628.845,"sentiment":"neutral","sentiment_score":-0.05090807825326919},{"text":"Step eight.","start":632.04,"end":632.86,"sentiment":"neutral","sentiment_score":0.0055985343642532825},{"text":"Step eight.","start":640.12,"end":642.76,"sentiment":"neutral","sentiment_score":0.0181269608438015},{"text":"Here we go.","start":642.76,"end":643.66003,"sentiment":"neutral","sentiment_score":0.12477543453375499}],"sentiment":"neutral","sentiment_score":-0.04371180145167991,"num_words":19,"start":623.625,"end":643.66003},{"sentences":[{"text":"Employer.","start":643.88,"end":644.38,"sentiment":"neutral","sentiment_score":0.31663018465042114},{"text":"Are you still are you still working for this employer?","start":645.24,"end":651.075,"sentiment":"neutral","sentiment_score":-0.050199685618281364},{"text":"This question, I think we should ask Larissa because technically technically, she's not working.","start":652.975,"end":661.315,"sentiment":"neutral","sentiment_score":-0.1458751851958888},{"text":"She's not well, technically, not.","start":666.5,"end":668.18,"sentiment":"neutral","sentiment_score":-0.2529419958591461},{"text":"She's receiving workers' compensation payments.","start":668.18,"end":670.44,"sentiment":"neutral","sentiment_score":-0.211748468875885}],"sentiment":"neutral","sentiment_score":-0.13003061679857117,"num_words":35,"start":643.88,"end":670.44},{"sentences":[{"text":"So we should probably just find out the last date that she physically worked, if she remembers it.","start":673.3,"end":680.415,"sentiment":"neutral","sentiment_score":-0.05570750766330295},{"text":"Yeah.","start":702.12006,"end":702.62006,"sentiment":"neutral","sentiment_score":-0.051913559436798096},{"text":"Yeah.","start":753.05005,"end":753.55005,"sentiment":"neutral","sentiment_score":-0.1669090986251831},{"text":"Mhmm.","start":759.46497,"end":759.96497,"sentiment":"neutral","sentiment_score":-0.14094123244285583},{"text":"Correct.","start":762.02496,"end":762.52496,"sentiment":"neutral","sentiment_score":-0.20286673307418823}],"sentiment":"neutral","sentiment_score":-0.07115298915993083,"num_words":22,"start":673.3,"end":762.52496},{"sentences":[{"text":"Is is Larissa there?","start":765.305,"end":767.38495,"sentiment":"neutral","sentiment_score":-0.10561785846948624},{"text":"Can she answer that question for us?","start":767.38495,"end":769.64496,"sentiment":"neutral","sentiment_score":-0.06335844418832234},{"text":"Cool.","start":776.64,"end":777.14,"sentiment":"neutral","sentiment_score":0.1478680968284607},{"text":"Oh, good.","start":778.72003,"end":779.52,"sentiment":"neutral","sentiment_score":0.19390065222978592},{"text":"Because I don't know how to fill this form.","start":779.52,"end":780.96,"sentiment":"neutral","sentiment_score":0.017304457103212673}],"sentiment":"neutral","sentiment_score":-0.007590044694750205,"num_words":23,"start":765.305,"end":780.96},{"sentences":[{"text":"I hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware.","start":780.96,"end":785.595,"sentiment":"neutral","sentiment_score":-0.12260431547959645},{"text":"And I was like, oh, we'll give it a go.","start":785.595,"end":790.415,"sentiment":"neutral","sentiment_score":-0.009260241815354675},{"text":"Cool.","start":790.875,"end":791.375,"sentiment":"neutral","sentiment_score":0.16636979579925537},{"text":"And she's getting SCC.","start":817.545,"end":818.845,"sentiment":"neutral","sentiment_score":0.01983178360387683},{"text":"What are we ticking that box?","start":828.36,"end":829.9,"sentiment":"neutral","sentiment_score":0.011125507454077402}],"sentiment":"neutral","sentiment_score":-0.06050346699388077,"num_words":45,"start":780.96,"end":829.9},{"sentences":[{"text":"Yeah.","start":834.455,"end":834.695,"sentiment":"neutral","sentiment_score":-0.0039818864315748215},{"text":"That's what I'm doing.","start":834.695,"end":835.655,"sentiment":"neutral","sentiment_score":-0.03460993152111769},{"text":"Because I'm like, she's technically not gainfully employed, but she's still getting the workers' 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sweet.","start":880.5,"end":888.095,"sentiment":"neutral","sentiment_score":0.32119751409176855},{"text":"Lump sum payer?","start":898.89,"end":900.19,"sentiment":"neutral","sentiment_score":-0.0314885371675094}],"sentiment":"neutral","sentiment_score":0.2305281330855229,"num_words":39,"start":873.46,"end":900.19},{"sentences":[{"text":"Yes.","start":900.57,"end":901.07,"sentiment":"neutral","sentiment_score":0.005714689381420612},{"text":"I asked her if that she's spoken to the lawyers about that, and she said that she 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she turns age 67.","start":915.16504,"end":922.765,"sentiment":"neutral","sentiment_score":-0.030299094638654163},{"text":"She was apparently told that she had to take up a claim or sue them to get the payout figure and that she wasn't willing to do that because this is all under mental health, and she's got major chronic anxiety and stuff.","start":922.765,"end":936.12,"sentiment":"neutral","sentiment_score":-0.2292867748196735}],"sentiment":"neutral","sentiment_score":-0.14145893567065532,"num_words":74,"start":912.125,"end":936.12},{"sentences":[{"text":"And she's happy if they just pay her each week until the age of 67.","start":936.12,"end":940.22,"sentiment":"neutral","sentiment_score":0.1534772112965584},{"text":"Yeah.","start":942.635,"end":943.135,"sentiment":"neutral","sentiment_score":0.029727675020694733},{"text":"Yeah.","start":949.115,"end":949.59503,"sentiment":"neutral","sentiment_score":-0.019913677126169205},{"text":"She's she said that it's not changing.","start":949.59503,"end":952.09503,"sentiment":"neutral","sentiment_score":-0.13890739211014339},{"text":"She said she had to get the pay for the first twelve months before she got to SGC, and she said at this rate, it's continuing as it is until age 67 that she's aware of.","start":952.955,"end":964.45,"sentiment":"neutral","sentiment_score":-0.07075841083294815}],"sentiment":"neutral","sentiment_score":-0.020128039456903935,"num_words":60,"start":936.12,"end":964.45},{"sentences":[{"text":"Yeah.","start":966.03,"end":966.27,"sentiment":"neutral","sentiment_score":-0.009640516713261604},{"text":"And she said that's confirmed that.","start":966.27,"end":968.13,"sentiment":"neutral","sentiment_score":0.007203284651041031},{"text":"But she's also got a family.","start":968.27,"end":969.81,"sentiment":"neutral","sentiment_score":-0.21535696710149446},{"text":"No.","start":970.565,"end":970.725,"sentiment":"neutral","sentiment_score":-0.09019099175930025},{"text":"Well, she's also probably she also got a family trust that pays her $12,000 a year.","start":970.725,"end":975.305,"sentiment":"neutral","sentiment_score":0.01764448988251388}],"sentiment":"neutral","sentiment_score":-0.03554805883516868,"num_words":30,"start":966.03,"end":975.305},{"sentences":[{"text":"Well, she's got TBD.","start":981.045,"end":982.34503,"sentiment":"neutral","sentiment_score":-0.0015579196624457836},{"text":"She's had it paid out.","start":982.405,"end":983.525,"sentiment":"neutral","sentiment_score":0.0061975326389074326},{"text":"So the TBD has been done.","start":983.525,"end":986.32,"sentiment":"neutral","sentiment_score":0.03341488943745693},{"text":"I just yeah.","start":987.01996,"end":987.98,"sentiment":"neutral","sentiment_score":-0.02312798084070285},{"text":"I called Aware last night, and I got to the insurance 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happened?","start":995.57996,"end":996.39996,"sentiment":"neutral","sentiment_score":-0.047315649688243866},{"text":"Yeah.","start":1004.365,"end":1004.865,"sentiment":"neutral","sentiment_score":-0.016280971467494965},{"text":"Yep.","start":1007.245,"end":1007.745,"sentiment":"neutral","sentiment_score":-0.03593374416232109},{"text":"Yep.","start":1009.805,"end":1010.305,"sentiment":"neutral","sentiment_score":-0.024011269211769104}],"sentiment":"neutral","sentiment_score":-0.028899750248952347,"num_words":22,"start":991.18,"end":1010.305},{"sentences":[{"text":"Yep.","start":1011.08,"end":1011.58,"sentiment":"neutral","sentiment_score":-0.04139966890215874},{"text":"Yes.","start":1021.56,"end":1022.06,"sentiment":"neutral","sentiment_score":-0.08260910212993622},{"text":"Yeah.","start":1026.615,"end":1027.115,"sentiment":"neutral","sentiment_score":-0.21889960765838623},{"text":"Yeah.","start":1029.615,"end":1030.115,"sentiment":"neutral","sentiment_score":-0.18582192063331604},{"text":"Yeah.","start":1032.615,"end":1033.115,"sentiment":"neutral","sentiment_score":-0.19010181725025177}],"sentiment":"neutral","sentiment_score":-0.1437664233148098,"num_words":5,"start":1011.08,"end":1033.115},{"sentences":[{"text":"I 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look.","start":1073.55,"end":1074.51,"sentiment":"neutral","sentiment_score":-0.1750172793865204},{"text":"If you're getting 80% workers' compensation, they're not gonna pay income protection because it's over the 70% threshold.","start":1074.51,"end":1080.745,"sentiment":"neutral","sentiment_score":-0.24213511745134988},{"text":"But I think it's worth looking.","start":1081.845,"end":1083.945,"sentiment":"neutral","sentiment_score":-0.06156260830660661},{"text":"Sorry?","start":1084.725,"end":1085.225,"sentiment":"neutral","sentiment_score":-0.03247582167387009}],"sentiment":"neutral","sentiment_score":-0.2635731509555194,"num_words":59,"start":1063.39,"end":1085.225},{"sentences":[{"text":"Yeah.","start":1087.445,"end":1087.765,"sentiment":"neutral","sentiment_score":0.01876993104815483},{"text":"It is.","start":1087.765,"end":1088.4249,"sentiment":"neutral","sentiment_score":0.019278129562735558},{"text":"It 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her.","start":1124.5901,"end":1138.4451,"sentiment":"neutral","sentiment_score":0.08590247385602977},{"text":"Because it looks like I could be able to consolidate.","start":1138.4451,"end":1141.165,"sentiment":"neutral","sentiment_score":0.0611026719212532},{"text":"Like, I don't think she's gonna get the income protection claim, but at least we're doing her due diligence.","start":1141.165,"end":1144.865,"sentiment":"neutral","sentiment_score":-0.0663227440397206},{"text":"And then we can probably look to consolidate her to hub twenty four from Aware.","start":1145.5701,"end":1149.51,"sentiment":"neutral","sentiment_score":0.0976240540544192},{"text":"She does need this money now.","start":1150.21,"end":1152.31,"sentiment":"neutral","sentiment_score":0.06300055421888828}],"sentiment":"neutral","sentiment_score":0.056639596740803065,"num_words":106,"start":1124.5901,"end":1152.31},{"sentences":[{"text":"So 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yeah.","start":1204.93,"end":1205.41,"sentiment":"neutral","sentiment_score":0.06852209754288197}],"sentiment":"neutral","sentiment_score":0.057145320491767244,"num_words":38,"start":1195.465,"end":1205.41},{"sentences":[{"text":"That'll get the solicitor off her back.","start":1205.41,"end":1206.93,"sentiment":"neutral","sentiment_score":0.032127210072108676},{"text":"That'll put some money on her mortgage to give her a bit of a buffer and reduce the interest she's paying.","start":1206.93,"end":1211.75,"sentiment":"neutral","sentiment_score":0.014015203031400839},{"text":"And then I was like, I'll go back and do the rest of the research for you.","start":1212.315,"end":1215.755,"sentiment":"neutral","sentiment_score":0.04223895642687293},{"text":"We'll provide the advice and update everything else.","start":1215.755,"end":1218.315,"sentiment":"neutral","sentiment_score":0.10018341522663832},{"text":"And she was like, yeah.","start":1218.315,"end":1219.4349,"sentiment":"neutral","sentiment_score":0.1174799382686615}],"sentiment":"neutral","sentiment_score":0.045278258734093656,"num_words":58,"start":1205.41,"end":1219.4349},{"sentences":[{"text":"Absolutely perfect.","start":1219.4349,"end":1220.495,"sentiment":"positive","sentiment_score":0.563737541437149},{"text":"So oh, good.","start":1220.635,"end":1223.375,"sentiment":"neutral","sentiment_score":0.2793324887752533},{"text":"Oh, thank you.","start":1225.01,"end":1225.49,"sentiment":"neutral","sentiment_score":0.14810689042011896},{"text":"I just wasn't sure with that form.","start":1225.49,"end":1226.85,"sentiment":"neutral","sentiment_score":-0.035596929756658416},{"text":"I was like, oh, I think I need Larissa to help help us with that one question because that's one I've never had to answer before.","start":1226.85,"end":1232.3099,"sentiment":"neutral","sentiment_score":-0.023926717085907094}],"sentiment":"neutral","sentiment_score":0.03752487970561516,"num_words":41,"start":1219.4349,"end":1232.3099},{"sentences":[{"text":"Okay.","start":1238.3049,"end":1238.8049,"sentiment":"neutral","sentiment_score":-0.006648857146501541},{"text":"Perfect.","start":1239.1849,"end":1239.6849,"sentiment":"neutral","sentiment_score":0.2875639498233795},{"text":"Perfect.","start":1239.905,"end":1240.405,"sentiment":"positive","sentiment_score":0.33399152755737305},{"text":"Alright.","start":1240.865,"end":1241.1849,"sentiment":"neutral","sentiment_score":0.16388124227523804},{"text":"Perfect.","start":1241.1849,"end":1241.585,"sentiment":"neutral","sentiment_score":0.22192226350307465}],"sentiment":"neutral","sentiment_score":0.20014202520251273,"num_words":5,"start":1238.3049,"end":1241.585},{"sentences":[{"text":"So I'll get the research done to close off Aware and consolidate everything over it.","start":1241.585,"end":1245.345,"sentiment":"neutral","sentiment_score":0.11481351604064306},{"text":"There's no issues with workers' compensation moving SGC.","start":1245.345,"end":1248.085,"sentiment":"neutral","sentiment_score":0.021917810081504285},{"text":"Oh, okay.","start":1251.97,"end":1253.35,"sentiment":"neutral","sentiment_score":0.023157096467912197},{"text":"That's all good.","start":1253.65,"end":1254.71,"sentiment":"neutral","sentiment_score":0.08538607011238734},{"text":"No.","start":1256.37,"end":1256.61,"sentiment":"neutral","sentiment_score":-0.03257787227630615}],"sentiment":"neutral","sentiment_score":0.07473930180201242,"num_words":29,"start":1241.585,"end":1256.61},{"sentences":[{"text":"That's okay.","start":1256.61,"end":1257.41,"sentiment":"neutral","sentiment_score":0.007705759722739459},{"text":"I'll follow-up with her next week.","start":1257.41,"end":1259.25,"sentiment":"neutral","sentiment_score":0.15431190902988115},{"text":"We'll just get this stuff done for Kate, and I can always come back and chat to her afterwards.","start":1259.25,"end":1263.43,"sentiment":"neutral","sentiment_score":0.22880394050949499},{"text":"Yeah.","start":1263.89,"end":1264.39,"sentiment":"neutral","sentiment_score":0.21834735572338104},{"text":"Yep.","start":1267.655,"end":1268.155,"sentiment":"neutral","sentiment_score":-0.0355486236512661}],"sentiment":"neutral","sentiment_score":0.18866746811645813,"num_words":29,"start":1256.61,"end":1268.155},{"sentences":[{"text":"Yep.","start":1270.295,"end":1270.795,"sentiment":"neutral","sentiment_score":0.014532330445945265},{"text":"So we have to re certify it.","start":1278.87,"end":1280.6499,"sentiment":"neutral","sentiment_score":0.05679836975676673},{"text":"I mean, we could just re rapid ID her and get Savvy to recertify it.","start":1293.1849,"end":1297.365,"sentiment":"neutral","sentiment_score":0.10315506805976232},{"text":"Oh, it's get this rapid ID, get Larissa to recertify it.","start":1299.825,"end":1303.105,"sentiment":"neutral","sentiment_score":0.06954772093079307},{"text":"Yeah.","start":1303.105,"end":1303.605,"sentiment":"neutral","sentiment_score":0.11109477281570436}],"sentiment":"neutral","sentiment_score":0.08101618979126216,"num_words":35,"start":1270.295,"end":1303.605},{"sentences":[{"text":"We just gotta rapid ID it again to make sure that way that we can certify it within the thirty days.","start":1304.5399,"end":1310.64,"sentiment":"neutral","sentiment_score":0.0913759892185529},{"text":"Or was because when was it certified?","start":1310.7799,"end":1313.1,"sentiment":"neutral","sentiment_score":-0.0028922902420163155},{"text":"When was the last one certified?","start":1313.1,"end":1314.5599,"sentiment":"neutral","sentiment_score":-0.016421205674608547},{"text":"Yeah.","start":1321.195,"end":1321.695,"sentiment":"neutral","sentiment_score":-0.01340938825160265},{"text":"Yeah.","start":1324.955,"end":1325.455,"sentiment":"neutral","sentiment_score":-0.14844763278961182}],"sentiment":"neutral","sentiment_score":0.04550737463351753,"num_words":36,"start":1304.5399,"end":1325.455},{"sentences":[{"text":"Yeah.","start":1330.17,"end":1330.49,"sentiment":"neutral","sentiment_score":-0.054331231862306595},{"text":"No.","start":1330.49,"end":1330.99,"sentiment":"neutral","sentiment_score":-0.0692049115896225},{"text":"Just double check with Larissa what she wants to do.","start":1331.05,"end":1333.05,"sentiment":"neutral","sentiment_score":-0.01375797763466835},{"text":"But, realistically, if it if the license is still not expired, if it's still a valid license, we could just run the rapid ID again to reverify it and then get that recertified.","start":1333.05,"end":1345.0751,"sentiment":"neutral","sentiment_score":0.035591920746038806},{"text":"I don't see an issue, but double check with Larissa to make sure that's that's okay, yeah, with what she's comfortable with.","start":1345.295,"end":1351.2351,"sentiment":"neutral","sentiment_score":0.00939241485585543}],"sentiment":"neutral","sentiment_score":0.016717173009693845,"num_words":67,"start":1330.17,"end":1351.2351},{"sentences":[{"text":"Yeah.","start":1351.535,"end":1352.035,"sentiment":"neutral","sentiment_score":0.06758657842874527},{"text":"Yeah.","start":1360.2699,"end":1360.7699,"sentiment":"neutral","sentiment_score":-0.002631290815770626},{"text":"Oh, that one was expired in 2022, the one I'm looking at there.","start":1377.725,"end":1380.5249,"sentiment":"neutral","sentiment_score":-0.07803001999855042},{"text":"Let's have a look at this one.","start":1380.5249,"end":1381.95,"sentiment":"neutral","sentiment_score":-0.014754356550318854},{"text":"It is expire.","start":1386.0299,"end":1387.01,"sentiment":"neutral","sentiment_score":-0.024520014723141987}],"sentiment":"neutral","sentiment_score":-0.04505102049559355,"num_words":25,"start":1351.535,"end":1387.01},{"sentences":[{"text":"Oh, this one here is 2032 expiry.","start":1387.07,"end":1389.8899,"sentiment":"neutral","sentiment_score":-0.017722581646272113},{"text":"Yeah.","start":1403.485,"end":1403.985,"sentiment":"neutral","sentiment_score":0.048744864761829376},{"text":"Yep.","start":1418.235,"end":1418.735,"sentiment":"neutral","sentiment_score":0.1548585742712021},{"text":"Yeah.","start":1421.915,"end":1422.415,"sentiment":"neutral","sentiment_score":0.1359446942806244},{"text":"That's so good.","start":1425.835,"end":1426.555,"sentiment":"positive","sentiment_score":0.6611904700597128}],"sentiment":"neutral","sentiment_score":0.16915857476683763,"num_words":13,"start":1387.07,"end":1426.555},{"sentences":[{"text":"You're doing a great job.","start":1426.555,"end":1428.095,"sentiment":"positive","sentiment_score":0.8254353284835816},{"text":"It is.","start":1437.6399,"end":1438.2,"sentiment":"neutral","sentiment_score":0.05157245323061943},{"text":"Yeah.","start":1438.2,"end":1438.44,"sentiment":"neutral","sentiment_score":0.01664172112941742},{"text":"And, like, moving forward as, like, we get to do a lot more stuff, you'll find that things take a little bit more time like this.","start":1438.44,"end":1445.0,"sentiment":"neutral","sentiment_score":0.027095026515710812},{"text":"But you'll get faster the more you do them as well.","start":1445.0,"end":1448.375,"sentiment":"neutral","sentiment_score":0.0633901869031516}],"sentiment":"neutral","sentiment_score":0.12552724478559363,"num_words":45,"start":1426.555,"end":1448.375},{"sentences":[{"text":"So yeah.","start":1448.515,"end":1450.215,"sentiment":"neutral","sentiment_score":0.04171221703290939},{"text":"All good.","start":1451.7949,"end":1452.695,"sentiment":"neutral","sentiment_score":0.23682329058647156},{"text":"No worries.","start":1454.755,"end":1455.4149,"sentiment":"neutral","sentiment_score":0.03717629984021187},{"text":"Yes.","start":1457.89,"end":1458.39,"sentiment":"neutral","sentiment_score":0.010232997126877308},{"text":"Yeah.","start":1466.21,"end":1466.71,"sentiment":"neutral","sentiment_score":-0.0035593798384070396}],"sentiment":"neutral","sentiment_score":0.07976215402595699,"num_words":8,"start":1448.515,"end":1466.71},{"sentences":[{"text":"If not, I can call back Aware and see if they can give us the claim number.","start":1479.105,"end":1483.045,"sentiment":"neutral","sentiment_score":-0.03388921993181986},{"text":"I just the guy couldn't give it to me last night, so I could always try and find the claim number for the IP claim.","start":1483.42,"end":1488.54,"sentiment":"neutral","sentiment_score":-0.1048612131178379},{"text":"Or even when we call Kate, she might even have it.","start":1488.54,"end":1493.52,"sentiment":"neutral","sentiment_score":-0.018341670151461254},{"text":"Yeah.","start":1495.26,"end":1495.76,"sentiment":"neutral","sentiment_score":0.08036306500434875},{"text":"Yeah.","start":1497.995,"end":1498.495,"sentiment":"neutral","sentiment_score":0.018545128405094147}],"sentiment":"neutral","sentiment_score":-0.06000904081897302,"num_words":55,"start":1479.105,"end":1498.495},{"sentences":[{"text":"Okay.","start":1504.795,"end":1505.295,"sentiment":"neutral","sentiment_score":-0.01873420923948288},{"text":"It'll be for an income protection claim.","start":1510.9501,"end":1513.4501,"sentiment":"neutral","sentiment_score":-0.0179866012185812},{"text":"Yes.","start":1532.58,"end":1532.82,"sentiment":"neutral","sentiment_score":0.009155725128948689},{"text":"Yeah.","start":1532.82,"end":1533.22,"sentiment":"neutral","sentiment_score":0.00387696921825409},{"text":"They have two separate claims departments that handle those things.","start":1533.22,"end":1536.58,"sentiment":"neutral","sentiment_score":-0.009077139291912317}],"sentiment":"neutral","sentiment_score":-0.011118955817073584,"num_words":20,"start":1504.795,"end":1536.58},{"sentences":[{"text":"Yep.","start":1536.58,"end":1537.08,"sentiment":"neutral","sentiment_score":0.034412931650877},{"text":"I wonder if it's in the email she sent us the other day because she sent us a whole bunch of documents.","start":1554.195,"end":1558.855,"sentiment":"neutral","sentiment_score":-0.0707405920733105},{"text":"TPD claim with aware.","start":1564.8099,"end":1566.33,"sentiment":"neutral","sentiment_score":-0.041514416225254536},{"text":"Okay.","start":1566.33,"end":1566.57,"sentiment":"neutral","sentiment_score":-0.033138029277324677},{"text":"So that's the TPD claim.","start":1566.57,"end":1568.51,"sentiment":"neutral","sentiment_score":-0.04575032368302345}],"sentiment":"neutral","sentiment_score":-0.0590856789865277,"num_words":33,"start":1536.58,"end":1568.51},{"sentences":[{"text":"So you send a letter then no.","start":1569.53,"end":1571.29,"sentiment":"neutral","sentiment_score":-0.13094391993113927},{"text":"It's not on here.","start":1571.29,"end":1572.43,"sentiment":"neutral","sentiment_score":-0.14341697096824646},{"text":"Lawyers.","start":1573.1151,"end":1573.6151,"sentiment":"neutral","sentiment_score":-0.19328805804252625},{"text":"That's a boy.","start":1586.4099,"end":1587.45,"sentiment":"neutral","sentiment_score":-0.11363187432289124},{"text":"Yes.","start":1587.45,"end":1587.95,"sentiment":"neutral","sentiment_score":-0.012812919914722444}],"sentiment":"neutral","sentiment_score":-0.1273294952698052,"num_words":16,"start":1569.53,"end":1587.95},{"sentences":[{"text":"Disability benefit.","start":1605.945,"end":1607.485,"sentiment":"neutral","sentiment_score":-0.05792892538011074},{"text":"We might have to call Aware and see if they can give us that claim number.","start":1637.91,"end":1641.93,"sentiment":"neutral","sentiment_score":-0.02986653073458001},{"text":"They should be okay to give us some sort of information.","start":1644.23,"end":1647.3551,"sentiment":"neutral","sentiment_score":0.04858275977048007},{"text":"The guy couldn't last night, but he also had trouble with his screen.","start":1647.3551,"end":1650.235,"sentiment":"neutral","sentiment_score":-0.27021752527126897},{"text":"So worst case, I can always give him a call later this afternoon and see if I can somehow get it out of them.","start":1650.235,"end":1658.415,"sentiment":"neutral","sentiment_score":-0.08084067050367594}],"sentiment":"neutral","sentiment_score":-0.08351993796443849,"num_words":66,"start":1605.945,"end":1658.415},{"sentences":[{"text":"Yep.","start":1674.955,"end":1675.455,"sentiment":"neutral","sentiment_score":0.16063222289085388},{"text":"All good.","start":1677.4349,"end":1678.4149,"sentiment":"positive","sentiment_score":0.7337126731872559},{"text":"Thank you.","start":1678.7949,"end":1679.7749,"sentiment":"positive","sentiment_score":0.7852314114570618},{"text":"No worries at all.","start":1680.955,"end":1682.495,"sentiment":"positive","sentiment_score":0.4091024659574032},{"text":"I will.","start":1682.875,"end":1683.5149,"sentiment":"neutral","sentiment_score":0.1507788896560669}],"sentiment":"positive","sentiment_score":0.46695345775647595,"num_words":11,"start":1674.955,"end":1683.5149},{"sentences":[{"text":"I'm gonna call Amelia shortly and do her AR.","start":1683.5149,"end":1686.0128,"sentiment":"neutral","sentiment_score":0.09566109089387788},{"text":"But yeah.","start":1686.0128,"end":1686.4128,"sentiment":"neutral","sentiment_score":0.10280439257621765},{"text":"Well, if you need me, call me anytime.","start":1686.4128,"end":1688.3529,"sentiment":"neutral","sentiment_score":0.1527435053139925},{"text":"See you.","start":1690.7329,"end":1692.1128,"sentiment":"positive","sentiment_score":0.3341377228498459},{"text":"Bye.","start":1692.8129,"end":1693.3129,"sentiment":"neutral","sentiment_score":0.11198276281356812}],"sentiment":"neutral","sentiment_score":0.13948931155556982,"num_words":22,"start":1683.5149,"end":1693.3129}]}}]},{"alternatives":[{"transcript":"Hello. I just realized it's your lunchtime. Don't email don't message back until after lunch. Yep. It is. That that is that is her asset allocation. So I've been doing a little bit of corrective searching myself and was not sure whether the conservative balance would be the index and whether the balance would be indexed. So I chose the index ones, but and I put the 34% in the conservative balance because I figured that would be a much more well, there wouldn't be as much coming out of that as, for example, a balanced index would give. Is that right? It's more conservative. Yep. No. I've only got what's there. What it says, yeah. So that's where it says you you've actually gotta do one or the other. And, yeah, did I pop a screenshot of what her a lot her what her actual statement said. Did I pop that in Teams or not? Oh, I didn't. Okay. I'll show you. Oh, really? No. Just let me have a look because I'll show you. That way, you will see what she's got, which is why I've chosen those. Let's go back here. I just wanted to make sure I did it right, and I thought I can certainly I can ask Larissa or somebody else here, but I just thought if I asked you only because you you know exactly what's going on. Alright. Yep. There it is now. I just dropped it in. So that's what I went off. But it said balanced, but it had accumulation accumulation. So I've popped it in the index. Is that right, or do I need to change it? Mhmm. Yep. Okay. Let me see what I can see as well. Yep. I just searched the USI because I thought that me, and I checked that the fund was set up between those dates, 2014. Oh, thank you. I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to that those figures. Yep. Yep. Alright. Let me go do it while I've got you on the phone because I wanna get it right. So here, is that it? No. That's not the one I'm working on. So yeah. Okay. Okay. Okay. Okay. So where are you seeing that? Just oh, I can see it now. Okay. I should have opened my eyes, shouldn't I? Yep. Okay. I've just changed that to cash. So what I might do so let me I'm gonna start at the top. So everything at the top is correct. Step one. Step two, proof of identity. I think I'm gonna have to confirm with her whether she's provided that previously. The only concern I have is we don't know if she's provided those banking details. Mhmm. Okay. So we won't need to provide documents. It just says previously provided certified proof of identity. Yes. Step two. Yep. Okay. That's 2024. Is that gonna be sufficient? Okay. So so should I just what should I tick there? I will provide proof of identification. Okay. Okay. Nominate the amount you'd like to withdraw. I popped in there 500 50 k, not 500. You're doing well. She's got that. I popped in partial withdrawal. So because she's retired, is that going to be after tax or prior to? Mhmm. Okay. After tax. Yeah. Just okay. So let me just pop the 50 caps. If I have to pay thousand dollars. Okay. K. So we've got the 100% cash. Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number. Section step six, which is page four, I've crossed out. I have ceased an employment arrangement since turning age of 60. Is that correct? Okay. Step seven actually says disability attestation. We don't need to worry about that. It says complete for disability withdrawals only. Okay. Yep. Okay. Okay. Okay. Now Presbyterian Ladies College, I went through. That was the last time she got money was from Presbyterian Ladies College, so I've popped that in there. Now am I am I right to tick no? I used to working for this lawyer. No. Mhmm. That's skip eight. I'm so glad that you're pausing over these as well because I, you know, was not sure. But if she's is she receiving any benefit from them? Okay. Yep. Yep. Okay. And do I still need to ask Larissa if she's receiving workers' comp payment workers' comp payments from work from the actual fund. You know what I mean? Whether we would need to put in yes or no. Theoretically speaking, she's not turning up to go to work. However, the time I wonder what it says under the disability attestation to clear that due to my permanent capacity, I have see stable employment, and I have not sought stable employment, which I am reasonably qualified having regard to my education experience and training. I'm unlikely I ever to engage in gainful employment, which I recently qualified. I have regards to my education experience. I have not sought to complete any additional education experience to train to which I could be gainfully employed. If my total benefit was approved for release due to having met the permanent incapacity. If you are unable to make the above attestation, your benefit will be paid with this. Okay. So that's yep. So this has got nothing. Yeah. That's a hard one, isn't it? Because she she physically is not working for them. However, she's paid by workers' comp as a result of an injury incurred on the job with Presbyterian Ladies College. Just bear with me for a moment, and I will see if Larissa has her ears open to hear me. Yes. She does. Okay. Yep. No worries. So I've got Larissa with me. So this lady here, she's on just she she's gotten a TPD payment. So yeah. It's Dana. Yeah. Yeah. Oh, lord. I wouldn't be telling anybody else all of this. So, basically, we've gone through all of this other stuff. However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College. However, workers' compensation is still being paid to her. So and she's got an SGC. So yes. K. Yes. Wait. She she went to say yes, and then she went and did a dance. Yes. Okay. Yes. So, ladies, I'll just read I'll just tell, Larissa what you said and what you Larissa said to you. So Larissa said, no. She's still not working. And so do we get the final date from her? Or Yes. You get the final date. Okay. Just bear with me for a second to confirm something else. That's her declaration. I've saved this because we quite often this we're super pain in the ass. Yeah. Well, they won't give anything out. They're bloody dickheads. Okay. We've gone there. Have you considered possibly looking at getting the client Hang on. She was talking. She couldn't hear you. Say it again? Have you considered getting the client to do a work cover to Yes. Diana? Diana? Diana? Alright. Hit me. Fair enough. Have they confirmed? And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because if they Okay. Yeah. She's probably not gonna get IP. Well, she's probably not gonna get IP, but if she has TPD, she could probably go down the TPD route. Oh, cool. That's this lady. Mhmm. Yep. The TPA with any of these providers, what you have to do is you actually have to provide you have to have so with with a industry fund or, you know, You have to provide the TPA for any claim to the fund. You have to also ask for it to be applied to the fund's claims department because it's completely separate to the fund. So aware aware claims, and then you also have to get them to send it on to TAO or whoever their insurer is as well. So one claim is three fucking separate TPAs. Obviously, same TPA document, but you have to ask for it to be applied with each of the departments. It's bullshit. But anyway especially the, like, the aware claims department. I get how how is a separate entity, but at least the aware claims department is just bullshit. Anyway, Yeah. Yeah. Is the aware bracket 70 percent? Is the aware bracket? Is aware 70%, and is her policy 70%? Alright. There you go. Cool. Yes. Yes. Yeah. I mean, realistically, you can also you can also ask aware, hey. There's a claim that's being submitted. If the claim is open and pending for the condition that was diagnosed here and the account becomes closed, is the claim still valid? And the answer's gonna be yes. I can tell you now the answer's gonna be yes because irrespective, even if we closed the account today, it's for predating. It's for a preexisting condition. So just you can close the account. You can one 100% close the account. Oh, wow. Yeah. I love. Alright. Well, I'll leave it with you, and I'm gonna go back to my spreadsheet. Yeah. No. She's not gainfully employed. She's she's literally receiving compensation payments. So No. She's good. Alright. Much love. Bye bye. Oh, it's that it's me. Larissa gave me the headset, and she's gone. Did did you wanna ask her that? Or okay. Alright. Great. Now I've gone back to the ID because there was something that didn't feel right. And it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months. So yeah, or we can send a copy of her driver's license and medicare card. Let me just see here. Let me read this again. Sabi's not in. Okay. Tell me on the Okay. Yep. Okay. It was the 04/10/2024. Let me just open it up. I know it was 2024, definitely. So that's what I was a bit concerned. I thought that it just didn't sound right with it being almost two years old. Okay. So yep. Yep. Yep. Yep. Yep. Yep. Yeah. And and the ID, I think when I had a look at it let me just go back for a second. That's all over the place here. K. Photo ID. Front. It's a date on it. Okay. That's that one. Yeah. Okay. Yeah. I thought we had a an older one. Yeah. I've got that in front of me now. So, look, what I'll do is I will go through I'll edit that. I'll get make sure Larissa is happy to do it. And then what I'll do is I will get run that through. Because I think they did that recently. Is it her? Must be somebody else. Anyhow, I'll get that sorted so that we won't have to worry about that. I'm glad to mention that because I didn't think with all the other things. So, you know, awesome. Alrighty. Thanks. Thank you. Alrighty. I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he? Yep. Yep. Yep. Yep. Yep. Awesome. Alright. Okay. I'll continue on. And with how now let me just go back because I overheard you and Larissa speaking about how so I'm just gonna try and open up my my bloody screen again. Okay. So let's go here. Some action items. Full Telstra ID claims. Was not able to provide the claim number, but if we provide details of client, they should be able to search. Okay. So Yep. Yep. Yep. We'll try that first. Let me check correspondence, though, because I've got a feeling there's a claim number in here. I'm positive I saw something. MLC. Yep. Where let's go in here. TPD. I'm just gonna have a look and see if it's got anything on here. Okay. So that's a t so is the permanent is the TPD completely separate to the IP? Okay. Okay. Because I remember looking at these and seeing Tel somewhere. Alright. Leave it with me. I'll look through it, and I'll let you know if I find it. Okay? Yeah. But and that's the thing. I'm looking through those attachments now. Yeah. I'm positive I've seen something with how on it that was that looked out of place. Margalit. Let's have a look at that. That's the sender. Okay. K. I'm positive I saw tell somewhere. Let's see what this brings up. K. Not there. K. Let's go to here. K. Yep. No worries. Alright. Yep. Yep. Yep. Alright. Okay. I'll let you know if I find anything, and I'll ask Aware. Sorry. I'll call Aware again and see if I can get the claim number for the IP. Okay. Awesome. Okay. Thank you, Dana. You enjoy your lunch. Okay, doll. Okay. Oh, okay, doll. Thank you so much. Okay. Bye bye. Bye. 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I just realized it's your lunchtime. Don't email don't message back until after lunch. Yep. It is.\n\nThat that is that is her asset allocation. So I've been doing a little bit of corrective searching myself and was not sure whether the conservative balance would be the index and whether the balance would be indexed. So I chose the index ones, but and I put the 34% in the conservative balance because I figured that would be a much more well, there wouldn't be as much coming out of that as, for example, a balanced index would give. Is that right? It's more conservative.\n\nYep. No. I've only got what's there. What it says, yeah. So that's where it says you you've actually gotta do one or the other.\n\nAnd, yeah, did I pop a screenshot of what her a lot her what her actual statement said. Did I pop that in Teams or not? Oh, I didn't. Okay. I'll show you.\n\nOh, really? No. Just let me have a look because I'll show you. That way, you will see what she's got, which is why I've chosen those. Let's go back here.\n\nI just wanted to make sure I did it right, and I thought I can certainly I can ask Larissa or somebody else here, but I just thought if I asked you only because you you know exactly what's going on. Alright. Yep. There it is now. I just dropped it in.\n\nSo that's what I went off. But it said balanced, but it had accumulation accumulation. So I've popped it in the index. Is that right, or do I need to change it? Mhmm.\n\nYep. Okay. Let me see what I can see as well. Yep. I just searched the USI because I thought that me, and I checked that the fund was set up between those dates, 2014.\n\nOh, thank you. I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to that those figures. Yep. Yep. Alright.\n\nLet me go do it while I've got you on the phone because I wanna get it right. So here, is that it? No. That's not the one I'm working on. So yeah.\n\nOkay. Okay. Okay. Okay. So where are you seeing that?\n\nJust oh, I can see it now. Okay. I should have opened my eyes, shouldn't I? Yep. Okay.\n\nI've just changed that to cash. So what I might do so let me I'm gonna start at the top. So everything at the top is correct. Step one. Step two, proof of identity.\n\nI think I'm gonna have to confirm with her whether she's provided that previously. The only concern I have is we don't know if she's provided those banking details. Mhmm. Okay. So we won't need to provide documents.\n\nIt just says previously provided certified proof of identity. Yes. Step two. Yep. Okay.\n\nThat's 2024. Is that gonna be sufficient? Okay. So so should I just what should I tick there? I will provide proof of identification.\n\nOkay. Okay. Nominate the amount you'd like to withdraw. I popped in there 500 50 k, not 500. You're doing well.\n\nShe's got that. I popped in partial withdrawal. So because she's retired, is that going to be after tax or prior to? Mhmm. Okay.\n\nAfter tax. Yeah. Just okay. So let me just pop the 50 caps. If I have to pay thousand dollars.\n\nOkay. K. So we've got the 100% cash. Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number. Section step six, which is page four, I've crossed out.\n\nI have ceased an employment arrangement since turning age of 60. Is that correct? Okay. Step seven actually says disability attestation. We don't need to worry about that.\n\nIt says complete for disability withdrawals only. Okay. Yep. Okay. Okay.\n\nOkay. Now Presbyterian Ladies College, I went through. That was the last time she got money was from Presbyterian Ladies College, so I've popped that in there. Now am I am I right to tick no? I used to working for this lawyer.\n\nNo. Mhmm. That's skip eight. I'm so glad that you're pausing over these as well because I, you know, was not sure. But if she's is she receiving any benefit from them?\n\nOkay. Yep. Yep. Okay. And do I still need to ask Larissa if she's receiving workers' comp payment workers' comp payments from work from the actual fund.\n\nYou know what I mean? Whether we would need to put in yes or no. Theoretically speaking, she's not turning up to go to work. However, the time I wonder what it says under the disability attestation to clear that due to my permanent capacity, I have see stable employment, and I have not sought stable employment, which I am reasonably qualified having regard to my education experience and training. I'm unlikely I ever to engage in gainful employment, which I recently qualified.\n\nI have regards to my education experience. I have not sought to complete any additional education experience to train to which I could be gainfully employed. If my total benefit was approved for release due to having met the permanent incapacity. If you are unable to make the above attestation, your benefit will be paid with this. Okay.\n\nSo that's yep. So this has got nothing. Yeah. That's a hard one, isn't it? Because she she physically is not working for them.\n\nHowever, she's paid by workers' comp as a result of an injury incurred on the job with Presbyterian Ladies College. Just bear with me for a moment, and I will see if Larissa has her ears open to hear me. Yes. She does. Okay.\n\nYep. No worries. So I've got Larissa with me. So this lady here, she's on just she she's gotten a TPD payment. So yeah.\n\nIt's Dana. Yeah. Yeah. Oh, lord. I wouldn't be telling anybody else all of this.\n\nSo, basically, we've gone through all of this other stuff. However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College. However, workers' compensation is still being paid to her. So and she's got an SGC. So yes.\n\nK. Yes. Wait. She she went to say yes, and then she went and did a dance. Yes.\n\nOkay. Yes. So, ladies, I'll just read I'll just tell, Larissa what you said and what you Larissa said to you. So Larissa said, no. She's still not working.\n\nAnd so do we get the final date from her? Or Yes. You get the final date. Okay. Just bear with me for a second to confirm something else.\n\nThat's her declaration. I've saved this because we quite often this we're super pain in the ass. Yeah. Well, they won't give anything out. They're bloody dickheads.\n\nOkay. We've gone there. Have you considered possibly looking at getting the client Hang on. She was talking. She couldn't hear you.\n\nSay it again? Have you considered getting the client to do a work cover to Yes. Diana? Diana? Diana?\n\nAlright. Hit me. Fair enough. Have they confirmed? And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because if they Okay.\n\nYeah. She's probably not gonna get IP. Well, she's probably not gonna get IP, but if she has TPD, she could probably go down the TPD route. Oh, cool. That's this lady.\n\nMhmm. Yep. The TPA with any of these providers, what you have to do is you actually have to provide you have to have so with with a industry fund or, you know, You have to provide the TPA for any claim to the fund. You have to also ask for it to be applied to the fund's claims department because it's completely separate to the fund. So aware aware claims, and then you also have to get them to send it on to TAO or whoever their insurer is as well.\n\nSo one claim is three fucking separate TPAs. Obviously, same TPA document, but you have to ask for it to be applied with each of the departments. It's bullshit. But anyway especially the, like, the aware claims department. I get how how is a separate entity, but at least the aware claims department is just bullshit.\n\nAnyway, Yeah. Yeah. Is the aware bracket 70 percent? Is the aware bracket? Is aware 70%, and is her policy 70%?\n\nAlright. There you go. Cool. Yes. Yes.\n\nYeah. I mean, realistically, you can also you can also ask aware, hey. There's a claim that's being submitted. If the claim is open and pending for the condition that was diagnosed here and the account becomes closed, is the claim still valid? And the answer's gonna be yes.\n\nI can tell you now the answer's gonna be yes because irrespective, even if we closed the account today, it's for predating. It's for a preexisting condition. So just you can close the account. You can one 100% close the account. Oh, wow.\n\nYeah. I love. Alright. Well, I'll leave it with you, and I'm gonna go back to my spreadsheet. Yeah.\n\nNo. She's not gainfully employed. She's she's literally receiving compensation payments. So No. She's good.\n\nAlright. Much love. Bye bye. Oh, it's that it's me. Larissa gave me the headset, and she's gone.\n\nDid did you wanna ask her that? Or okay. Alright. Great. Now I've gone back to the ID because there was something that didn't feel right.\n\nAnd it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months. So yeah, or we can send a copy of her driver's license and medicare card. Let me just see here. Let me read this again. Sabi's not in.\n\nOkay. Tell me on the Okay. Yep. Okay. It was the 04/10/2024.\n\nLet me just open it up. I know it was 2024, definitely. So that's what I was a bit concerned. I thought that it just didn't sound right with it being almost two years old. Okay.\n\nSo yep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. And and the ID, I think when I had a look at it let me just go back for a second. That's all over the place here. K.\n\nPhoto ID. Front. It's a date on it. Okay. That's that one.\n\nYeah. Okay. Yeah. I thought we had a an older one. Yeah.\n\nI've got that in front of me now. So, look, what I'll do is I will go through I'll edit that. I'll get make sure Larissa is happy to do it. And then what I'll do is I will get run that through. Because I think they did that recently.\n\nIs it her? Must be somebody else. Anyhow, I'll get that sorted so that we won't have to worry about that. I'm glad to mention that because I didn't think with all the other things. So, you know, awesome.\n\nAlrighty. Thanks. Thank you. Alrighty. I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he?\n\nYep. Yep. Yep. Yep. Yep.\n\nAwesome. Alright. Okay. I'll continue on. And with how now let me just go back because I overheard you and Larissa speaking about how so I'm just gonna try and open up my my bloody screen again.\n\nOkay. So let's go here. Some action items. Full Telstra ID claims. Was not able to provide the claim number, but if we provide details of client, they should be able to search.\n\nOkay. So Yep. Yep. Yep. We'll try that first.\n\nLet me check correspondence, though, because I've got a feeling there's a claim number in here. I'm positive I saw something. MLC. Yep. Where let's go in here.\n\nTPD. I'm just gonna have a look and see if it's got anything on here. Okay. So that's a t so is the permanent is the TPD completely separate to the IP? Okay.\n\nOkay. Because I remember looking at these and seeing Tel somewhere. Alright. Leave it with me. I'll look through it, and I'll let you know if I find it.\n\nOkay? Yeah. But and that's the thing. I'm looking through those attachments now. Yeah.\n\nI'm positive I've seen something with how on it that was that looked out of place. Margalit. Let's have a look at that. That's the sender. Okay.\n\nK. I'm positive I saw tell somewhere. Let's see what this brings up. K. Not there.\n\nK. Let's go to here. K. Yep. No worries.\n\nAlright. Yep. Yep. Yep. Alright.\n\nOkay. I'll let you know if I find anything, and I'll ask Aware. Sorry. I'll call Aware again and see if I can get the claim number for the IP. Okay.\n\nAwesome. Okay. Thank you, Dana. You enjoy your lunch. Okay, doll.\n\nOkay. Oh, okay, doll. Thank you so much. Okay. Bye bye.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.04315398633480072},{"text":"I just realized it's your lunchtime.","start":3.04,"end":5.46,"sentiment":"neutral","sentiment_score":0.058664449180165924},{"text":"Don't email don't message back until after lunch.","start":6.08,"end":9.94,"sentiment":"neutral","sentiment_score":-0.012415924808010459},{"text":"Yep.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":0.030822893604636192},{"text":"It is.","start":29.39,"end":30.130001,"sentiment":"neutral","sentiment_score":-0.01645010756328702}],"sentiment":"neutral","sentiment_score":0.016318664523876376,"num_words":18,"start":2.32,"end":30.130001},{"sentences":[{"text":"That that is that is her asset allocation.","start":30.91,"end":34.370003,"sentiment":"neutral","sentiment_score":0.2856670953333378},{"text":"So I've been doing a little bit of corrective searching myself and was not sure whether the conservative balance would be the index and whether the balance would be indexed.","start":34.67,"end":48.405,"sentiment":"neutral","sentiment_score":0.014585665923853715},{"text":"So I chose the index ones, but and I put the 34% in the conservative balance because I figured that would be a much more well, there wouldn't be as much coming out of that as, for example, a balanced index would give.","start":48.405,"end":65.31,"sentiment":"neutral","sentiment_score":0.012565707809530025},{"text":"Is that right?","start":65.31,"end":66.21,"sentiment":"neutral","sentiment_score":0.005874708915750186},{"text":"It's more conservative.","start":66.685005,"end":67.825005,"sentiment":"neutral","sentiment_score":-0.007979941864808401}],"sentiment":"neutral","sentiment_score":0.03743582157867736,"num_words":87,"start":30.91,"end":67.825005},{"sentences":[{"text":"Yep.","start":74.845,"end":75.345,"sentiment":"neutral","sentiment_score":-0.0315716527402401},{"text":"No.","start":76.765,"end":77.165,"sentiment":"neutral","sentiment_score":-0.12216324359178544},{"text":"I've only got what's there.","start":77.165,"end":79.025,"sentiment":"neutral","sentiment_score":-0.10259039551019669},{"text":"What it says, yeah.","start":79.165,"end":81.28001,"sentiment":"neutral","sentiment_score":-0.029205085709691048},{"text":"So that's where it says you you've actually gotta do one or the other.","start":81.28001,"end":85.14001,"sentiment":"neutral","sentiment_score":-0.036238358089966435}],"sentiment":"neutral","sentiment_score":-0.05163376919925213,"num_words":25,"start":74.845,"end":85.14001},{"sentences":[{"text":"And, yeah, did I pop a screenshot of what her a lot her what her actual statement said.","start":86.96001,"end":94.345,"sentiment":"neutral","sentiment_score":-0.014474458992481232},{"text":"Did I pop that in Teams or not?","start":94.345,"end":96.285,"sentiment":"neutral","sentiment_score":-0.01458939304575324},{"text":"Oh, I didn't.","start":98.345,"end":99.405,"sentiment":"neutral","sentiment_score":-0.03776657022535801},{"text":"Okay.","start":99.545,"end":100.025,"sentiment":"neutral","sentiment_score":0.002317657694220543},{"text":"I'll show you.","start":100.025,"end":101.005,"sentiment":"neutral","sentiment_score":0.0032307434206207586}],"sentiment":"neutral","sentiment_score":-0.01450137057426301,"num_words":33,"start":86.96001,"end":101.005},{"sentences":[{"text":"Oh, really?","start":101.065,"end":101.805,"sentiment":"neutral","sentiment_score":-0.019832704216241837},{"text":"No.","start":105.24,"end":105.48,"sentiment":"neutral","sentiment_score":-0.0399993360042572},{"text":"Just let me have a look because I'll show you.","start":105.48,"end":108.6,"sentiment":"neutral","sentiment_score":0.01374398060142994},{"text":"That way, you will see what she's got, which is why I've chosen those.","start":108.6,"end":113.82,"sentiment":"neutral","sentiment_score":0.057118008844554424},{"text":"Let's go back here.","start":114.2,"end":115.74,"sentiment":"neutral","sentiment_score":0.07129849307239056}],"sentiment":"neutral","sentiment_score":0.03685874702228654,"num_words":31,"start":101.065,"end":115.74},{"sentences":[{"text":"I just wanted to make sure I did it right, and I thought I can certainly I can ask Larissa or somebody else here, but I just thought if I asked you only because you you know exactly what's going on.","start":117.0,"end":130.995,"sentiment":"neutral","sentiment_score":0.009703280463837451},{"text":"Alright.","start":131.135,"end":131.635,"sentiment":"positive","sentiment_score":0.3413379192352295},{"text":"Yep.","start":136.59,"end":136.99,"sentiment":"neutral","sentiment_score":-8.568788871343713e-6},{"text":"There it is now.","start":136.99,"end":137.79,"sentiment":"neutral","sentiment_score":-0.021010827273130417},{"text":"I just dropped it in.","start":137.79,"end":139.01,"sentiment":"neutral","sentiment_score":-0.01270802617073059}],"sentiment":"neutral","sentiment_score":0.011376546336875366,"num_words":52,"start":117.0,"end":139.01},{"sentences":[{"text":"So that's what I went off.","start":140.59,"end":141.87,"sentiment":"neutral","sentiment_score":0.025670857013513643},{"text":"But it said balanced, but it had accumulation accumulation.","start":141.87,"end":144.93,"sentiment":"neutral","sentiment_score":-0.034287880485256515},{"text":"So I've popped it in the index.","start":146.945,"end":148.785,"sentiment":"neutral","sentiment_score":-0.019249063916504383},{"text":"Is that right, or do I need to change it?","start":148.785,"end":150.805,"sentiment":"neutral","sentiment_score":-0.0673612505197525},{"text":"Mhmm.","start":160.56,"end":161.06,"sentiment":"neutral","sentiment_score":0.01408072467893362}],"sentiment":"neutral","sentiment_score":-0.028752757885465115,"num_words":33,"start":140.59,"end":161.06},{"sentences":[{"text":"Yep.","start":179.295,"end":179.375,"sentiment":"neutral","sentiment_score":0.0519690178334713},{"text":"Okay.","start":179.375,"end":179.855,"sentiment":"neutral","sentiment_score":0.04486927390098572},{"text":"Let me see what I can see as well.","start":179.855,"end":183.075,"sentiment":"neutral","sentiment_score":0.05942731805973583},{"text":"Yep.","start":200.375,"end":200.875,"sentiment":"neutral","sentiment_score":0.09793485701084136},{"text":"I just searched the USI because I thought that me, and I checked that the fund was set up between those dates, 2014.","start":202.295,"end":211.57,"sentiment":"neutral","sentiment_score":0.024481496733167896}],"sentiment":"neutral","sentiment_score":0.03693409817559379,"num_words":35,"start":179.295,"end":211.57},{"sentences":[{"text":"Oh, thank you.","start":216.03,"end":217.09,"sentiment":"positive","sentiment_score":0.4292766253153483},{"text":"I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to that those figures.","start":269.945,"end":282.125,"sentiment":"neutral","sentiment_score":-0.03686623606416914},{"text":"Yep.","start":314.42,"end":314.92,"sentiment":"neutral","sentiment_score":0.06841662526130676},{"text":"Yep.","start":320.035,"end":320.535,"sentiment":"neutral","sentiment_score":0.06014162302017212},{"text":"Alright.","start":322.275,"end":322.595,"sentiment":"neutral","sentiment_score":0.18753716349601743}],"sentiment":"neutral","sentiment_score":0.018440512545181042,"num_words":33,"start":216.03,"end":322.595},{"sentences":[{"text":"Let me go do it while I've got you on the phone because I wanna get it right.","start":322.595,"end":329.095,"sentiment":"neutral","sentiment_score":0.07557501457631588},{"text":"So here, is that it?","start":330.115,"end":332.215,"sentiment":"neutral","sentiment_score":0.06979506015777588},{"text":"No.","start":333.05,"end":333.28998,"sentiment":"negative","sentiment_score":-0.3667052984237671},{"text":"That's not the one I'm working on.","start":333.28998,"end":335.06998,"sentiment":"neutral","sentiment_score":-0.3239958477871759},{"text":"So yeah.","start":340.81,"end":346.045,"sentiment":"neutral","sentiment_score":0.023889390751719475}],"sentiment":"neutral","sentiment_score":-0.026593087523272545,"num_words":33,"start":322.595,"end":346.045},{"sentences":[{"text":"Okay.","start":347.865,"end":348.365,"sentiment":"neutral","sentiment_score":0.1544305980205536},{"text":"Okay.","start":354.585,"end":354.905,"sentiment":"neutral","sentiment_score":0.08471643924713135},{"text":"Okay.","start":354.905,"end":355.405,"sentiment":"neutral","sentiment_score":0.05991044640541077},{"text":"Okay.","start":358.91998,"end":359.41998,"sentiment":"neutral","sentiment_score":0.06479605287313461},{"text":"So where are you seeing that?","start":360.59998,"end":362.12,"sentiment":"neutral","sentiment_score":0.014567783412834009}],"sentiment":"neutral","sentiment_score":0.04512602370232344,"num_words":10,"start":347.865,"end":362.12},{"sentences":[{"text":"Just oh, I can see it now.","start":362.12,"end":364.06,"sentiment":"neutral","sentiment_score":0.04493653987135206},{"text":"Okay.","start":364.44,"end":364.94,"sentiment":"neutral","sentiment_score":0.053251300007104874},{"text":"I should have opened my eyes, shouldn't I?","start":365.24,"end":367.65997,"sentiment":"neutral","sentiment_score":0.0175867133657448},{"text":"Yep.","start":374.615,"end":375.015,"sentiment":"neutral","sentiment_score":0.041788481175899506},{"text":"Okay.","start":375.015,"end":375.335,"sentiment":"neutral","sentiment_score":0.027125412598252296}],"sentiment":"neutral","sentiment_score":0.0320785933225933,"num_words":18,"start":362.12,"end":375.335},{"sentences":[{"text":"I've just changed that to cash.","start":375.335,"end":377.195,"sentiment":"neutral","sentiment_score":0.03377581915507714},{"text":"So what I might do so let me I'm gonna start at the top.","start":377.895,"end":381.57,"sentiment":"neutral","sentiment_score":0.09418307138340813},{"text":"So everything at the top is correct.","start":381.73,"end":383.49002,"sentiment":"neutral","sentiment_score":0.20556963128702982},{"text":"Step one.","start":383.49002,"end":384.71002,"sentiment":"neutral","sentiment_score":0.08992409706115723},{"text":"Step two, proof of identity.","start":385.17,"end":386.87,"sentiment":"neutral","sentiment_score":0.07276636064052582}],"sentiment":"neutral","sentiment_score":0.10305545090095085,"num_words":34,"start":375.335,"end":386.87},{"sentences":[{"text":"I think I'm gonna have to confirm with her whether she's provided that previously.","start":387.49002,"end":391.43,"sentiment":"neutral","sentiment_score":0.10647055134177208},{"text":"The only concern I have is we don't know if she's provided those banking details.","start":391.57,"end":397.11002,"sentiment":"neutral","sentiment_score":-0.30003663202126823},{"text":"Mhmm.","start":409.53,"end":410.03,"sentiment":"neutral","sentiment_score":-0.003735631704330444},{"text":"Okay.","start":419.29,"end":419.77,"sentiment":"neutral","sentiment_score":0.1136995255947113},{"text":"So we won't need to provide documents.","start":419.77,"end":422.35,"sentiment":"neutral","sentiment_score":0.016975075006484985}],"sentiment":"neutral","sentiment_score":-0.07318874585785363,"num_words":38,"start":387.49002,"end":422.35},{"sentences":[{"text":"It just says previously provided certified proof of identity.","start":444.04,"end":447.58,"sentiment":"neutral","sentiment_score":-0.008230928021172682},{"text":"Yes.","start":450.745,"end":451.245,"sentiment":"neutral","sentiment_score":0.14384308457374573},{"text":"Step two.","start":451.385,"end":452.20502,"sentiment":"neutral","sentiment_score":0.10532091185450554},{"text":"Yep.","start":458.505,"end":458.905,"sentiment":"neutral","sentiment_score":0.1355339288711548},{"text":"Okay.","start":458.905,"end":459.30502,"sentiment":"neutral","sentiment_score":0.13357354700565338}],"sentiment":"neutral","sentiment_score":0.03925100228350077,"num_words":14,"start":444.04,"end":459.30502},{"sentences":[{"text":"That's 2024.","start":459.30502,"end":460.845,"sentiment":"neutral","sentiment_score":0.17456751316785812},{"text":"Is that gonna be sufficient?","start":461.14502,"end":462.605,"sentiment":"neutral","sentiment_score":0.19084737300872803},{"text":"Okay.","start":467.52,"end":468.02,"sentiment":"neutral","sentiment_score":0.1509155631065369},{"text":"So so should I just what should I tick there?","start":468.88,"end":473.44,"sentiment":"neutral","sentiment_score":0.12171853333711624},{"text":"I will provide proof of identification.","start":473.44,"end":475.22,"sentiment":"neutral","sentiment_score":0.13004548102617264}],"sentiment":"neutral","sentiment_score":0.14382273641725382,"num_words":24,"start":459.30502,"end":475.22},{"sentences":[{"text":"Okay.","start":478.135,"end":478.635,"sentiment":"neutral","sentiment_score":0.14787250757217407},{"text":"Okay.","start":481.495,"end":481.995,"sentiment":"neutral","sentiment_score":0.11288286745548248},{"text":"Nominate the amount you'd like to withdraw.","start":486.215,"end":488.615,"sentiment":"neutral","sentiment_score":0.12782124962125505},{"text":"I popped in there 500 50 k, not 500.","start":488.615,"end":492.0,"sentiment":"neutral","sentiment_score":0.07999313829673661},{"text":"You're doing well.","start":492.0,"end":492.72,"sentiment":"neutral","sentiment_score":0.242685337861379}],"sentiment":"neutral","sentiment_score":0.12397611336339087,"num_words":21,"start":478.135,"end":492.72},{"sentences":[{"text":"She's got that.","start":492.72,"end":493.54,"sentiment":"neutral","sentiment_score":0.09677208960056305},{"text":"I popped in partial withdrawal.","start":494.48,"end":496.74002,"sentiment":"neutral","sentiment_score":0.00933699645102024},{"text":"So because she's retired, is that going to be after tax or prior to?","start":496.80002,"end":501.30002,"sentiment":"neutral","sentiment_score":-0.03699229551213128},{"text":"Mhmm.","start":505.375,"end":505.875,"sentiment":"neutral","sentiment_score":-0.01350766234099865},{"text":"Okay.","start":520.11,"end":520.51,"sentiment":"neutral","sentiment_score":0.016805578023195267}],"sentiment":"neutral","sentiment_score":-0.007399707101285458,"num_words":24,"start":492.72,"end":520.51},{"sentences":[{"text":"After tax.","start":520.51,"end":521.15,"sentiment":"neutral","sentiment_score":0.009449757635593416},{"text":"Yeah.","start":521.15,"end":521.47003,"sentiment":"neutral","sentiment_score":0.0600421205163002},{"text":"Just okay.","start":521.47003,"end":522.43,"sentiment":"neutral","sentiment_score":0.09799130260944366},{"text":"So let me just pop the 50 caps.","start":522.43,"end":526.77,"sentiment":"neutral","sentiment_score":0.13859026320278645},{"text":"If I have to pay thousand dollars.","start":527.15,"end":533.305,"sentiment":"neutral","sentiment_score":0.01417358246232782}],"sentiment":"neutral","sentiment_score":0.07414307119324803,"num_words":20,"start":520.51,"end":533.305},{"sentences":[{"text":"Okay.","start":536.245,"end":536.745,"sentiment":"neutral","sentiment_score":0.07563410699367523},{"text":"K.","start":538.565,"end":538.885,"sentiment":"neutral","sentiment_score":0.07457932829856873},{"text":"So we've got the 100% cash.","start":538.885,"end":541.305,"sentiment":"neutral","sentiment_score":0.13555736218889555},{"text":"Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number.","start":541.86,"end":549.0,"sentiment":"neutral","sentiment_score":0.03170319451019168},{"text":"Section step six, which is page four, I've crossed out.","start":550.02,"end":555.715,"sentiment":"neutral","sentiment_score":-0.007589152455329895}],"sentiment":"neutral","sentiment_score":0.04004552563358294,"num_words":38,"start":536.245,"end":555.715},{"sentences":[{"text":"I have ceased an employment arrangement since turning age of 60.","start":555.715,"end":559.655,"sentiment":"neutral","sentiment_score":-0.08618519268929958},{"text":"Is that correct?","start":561.47504,"end":562.455,"sentiment":"neutral","sentiment_score":0.023968712116281193},{"text":"Okay.","start":564.835,"end":565.335,"sentiment":"neutral","sentiment_score":0.009766478091478348},{"text":"Step seven actually says disability attestation.","start":566.12,"end":569.1,"sentiment":"neutral","sentiment_score":0.012310162962724766},{"text":"We don't need to worry about that.","start":571.16,"end":572.94,"sentiment":"neutral","sentiment_score":0.08568240063531059}],"sentiment":"neutral","sentiment_score":-0.00688309724708753,"num_words":28,"start":555.715,"end":572.94},{"sentences":[{"text":"It says complete for disability withdrawals only.","start":575.08,"end":578.3,"sentiment":"neutral","sentiment_score":0.0588706588106496},{"text":"Okay.","start":585.695,"end":586.17505,"sentiment":"neutral","sentiment_score":0.0863225981593132},{"text":"Yep.","start":586.17505,"end":586.67505,"sentiment":"neutral","sentiment_score":0.11277123540639876},{"text":"Okay.","start":596.51,"end":597.01,"sentiment":"neutral","sentiment_score":-0.1183721050620079},{"text":"Okay.","start":600.82996,"end":601.32996,"sentiment":"neutral","sentiment_score":-0.264525443315506}],"sentiment":"neutral","sentiment_score":0.02075371789661321,"num_words":11,"start":575.08,"end":601.32996},{"sentences":[{"text":"Okay.","start":603.165,"end":603.665,"sentiment":"neutral","sentiment_score":-0.036761216819286346},{"text":"Now Presbyterian Ladies College, I went through.","start":604.045,"end":607.165,"sentiment":"neutral","sentiment_score":-0.016114174255302975},{"text":"That was the last time she got money was from Presbyterian Ladies College, so I've popped that in there.","start":607.165,"end":612.385,"sentiment":"neutral","sentiment_score":-0.012739356411130805},{"text":"Now am I am I right to tick no?","start":613.565,"end":617.425,"sentiment":"neutral","sentiment_score":-0.06740574207570818},{"text":"I used to working for this lawyer.","start":617.55,"end":619.31,"sentiment":"neutral","sentiment_score":-0.15811058666024888}],"sentiment":"neutral","sentiment_score":-0.048954278923744377,"num_words":43,"start":603.165,"end":619.31},{"sentences":[{"text":"No.","start":619.31,"end":619.81,"sentiment":"neutral","sentiment_score":-0.16344772279262543},{"text":"Mhmm.","start":626.83,"end":627.33,"sentiment":"neutral","sentiment_score":-0.03828032687306404},{"text":"That's skip eight.","start":630.125,"end":631.425,"sentiment":"neutral","sentiment_score":-0.041784374664227165},{"text":"I'm so glad that you're pausing over these as well because I, you know, was not sure.","start":642.7,"end":648.64,"sentiment":"neutral","sentiment_score":0.055205865160507316},{"text":"But if she's is she receiving any benefit from them?","start":662.95496,"end":666.735,"sentiment":"neutral","sentiment_score":-0.10023624449968338}],"sentiment":"neutral","sentiment_score":-0.012216997216455638,"num_words":32,"start":619.31,"end":666.735},{"sentences":[{"text":"Okay.","start":672.14,"end":672.64,"sentiment":"neutral","sentiment_score":-0.07030297815799713},{"text":"Yep.","start":678.94,"end":679.425,"sentiment":"neutral","sentiment_score":-0.022647816687822345},{"text":"Yep.","start":681.265,"end":681.745,"sentiment":"neutral","sentiment_score":-0.0024894289672374725},{"text":"Okay.","start":681.745,"end":682.245,"sentiment":"neutral","sentiment_score":-0.007295846939086914},{"text":"And do I still need to ask Larissa if she's receiving workers' comp payment workers' comp payments from work from the actual fund.","start":682.305,"end":695.62,"sentiment":"neutral","sentiment_score":-0.08494474058565886}],"sentiment":"neutral","sentiment_score":-0.07616537423045547,"num_words":27,"start":672.14,"end":695.62},{"sentences":[{"text":"You know what I mean?","start":696.16,"end":697.54,"sentiment":"neutral","sentiment_score":-0.09233297854661941},{"text":"Whether we would need to put in yes or no.","start":698.32,"end":701.22003,"sentiment":"neutral","sentiment_score":-0.10074120834469795},{"text":"Theoretically speaking, she's not turning up to go to work.","start":701.52,"end":705.04,"sentiment":"neutral","sentiment_score":-0.159623509272933},{"text":"However, the time I wonder what it says under the disability attestation to clear that due to my permanent capacity, I have see stable employment, and I have not sought stable employment, which I am reasonably qualified having regard to my education experience and training.","start":705.04,"end":721.62006,"sentiment":"neutral","sentiment_score":-0.15084970063633388},{"text":"I'm unlikely I ever to engage in gainful employment, which I recently qualified.","start":721.84,"end":726.72003,"sentiment":"neutral","sentiment_score":-0.3070889367507054}],"sentiment":"neutral","sentiment_score":-0.16681572018438076,"num_words":83,"start":696.16,"end":726.72003},{"sentences":[{"text":"I have regards to my education experience.","start":726.72003,"end":729.46,"sentiment":"neutral","sentiment_score":-0.06396714491503579},{"text":"I have not sought to complete any additional education experience to train to which I could be gainfully employed.","start":730.08,"end":735.515,"sentiment":"neutral","sentiment_score":-0.2922120533491436},{"text":"If my total benefit was approved for release due to having met the permanent incapacity.","start":735.735,"end":739.675,"sentiment":"neutral","sentiment_score":-0.22191172540187837},{"text":"If you are unable to make the above attestation, your benefit will be paid with this.","start":740.21497,"end":745.255,"sentiment":"neutral","sentiment_score":-0.17782138660550117},{"text":"Okay.","start":745.255,"end":745.65497,"sentiment":"neutral","sentiment_score":-0.08872351050376892}],"sentiment":"neutral","sentiment_score":-0.21141966560791278,"num_words":58,"start":726.72003,"end":745.65497},{"sentences":[{"text":"So that's yep.","start":745.65497,"end":746.535,"sentiment":"neutral","sentiment_score":-0.16732372840245566},{"text":"So this has got nothing.","start":746.535,"end":747.915,"sentiment":"negative","sentiment_score":-0.3861921429634094},{"text":"Yeah.","start":750.82,"end":751.14,"sentiment":"neutral","sentiment_score":-0.2706911265850067},{"text":"That's a hard one, isn't it?","start":751.14,"end":753.45996,"sentiment":"negative","sentiment_score":-0.3540210674206416},{"text":"Because she she physically is not working for them.","start":753.45996,"end":757.95996,"sentiment":"negative","sentiment_score":-0.36944779753685}],"sentiment":"negative","sentiment_score":-0.3396991503735383,"num_words":24,"start":745.65497,"end":757.95996},{"sentences":[{"text":"However, she's paid by workers' comp as a result of an injury incurred on the job with Presbyterian Ladies College.","start":758.1,"end":766.695,"sentiment":"neutral","sentiment_score":-0.22415439113974572},{"text":"Just bear with me for a moment, and I will see if Larissa has her ears open to hear me.","start":770.59503,"end":776.89996,"sentiment":"neutral","sentiment_score":-0.0683167265728116},{"text":"Yes.","start":777.51996,"end":777.76,"sentiment":"neutral","sentiment_score":0.15393945574760437},{"text":"She does.","start":777.76,"end":778.57996,"sentiment":"neutral","sentiment_score":0.16807139664888382},{"text":"Okay.","start":786.56,"end":787.06,"sentiment":"neutral","sentiment_score":0.006439028307795525}],"sentiment":"neutral","sentiment_score":-0.12165684265677225,"num_words":44,"start":758.1,"end":787.06},{"sentences":[{"text":"Yep.","start":787.12,"end":787.62,"sentiment":"neutral","sentiment_score":0.021169275045394897},{"text":"No worries.","start":787.68,"end":788.39996,"sentiment":"neutral","sentiment_score":0.05392353981733322},{"text":"So I've got Larissa with me.","start":788.39996,"end":790.445,"sentiment":"neutral","sentiment_score":0.07877720892429352},{"text":"So this lady here, she's on just she she's gotten a TPD payment.","start":790.445,"end":795.90497,"sentiment":"neutral","sentiment_score":0.0727939591384851},{"text":"So yeah.","start":796.445,"end":797.005,"sentiment":"neutral","sentiment_score":0.04288424178957939}],"sentiment":"neutral","sentiment_score":0.06807373169188698,"num_words":24,"start":787.12,"end":797.005},{"sentences":[{"text":"It's Dana.","start":797.005,"end":797.665,"sentiment":"neutral","sentiment_score":0.035912495106458664},{"text":"Yeah.","start":798.285,"end":798.765,"sentiment":"neutral","sentiment_score":0.03088869526982307},{"text":"Yeah.","start":798.765,"end":799.08496,"sentiment":"neutral","sentiment_score":0.023671187460422516},{"text":"Oh, lord.","start":799.08496,"end":799.805,"sentiment":"neutral","sentiment_score":-0.0005451831966638561},{"text":"I wouldn't be telling anybody else all of this.","start":799.805,"end":801.84,"sentiment":"neutral","sentiment_score":-0.08199667433897655}],"sentiment":"neutral","sentiment_score":-0.04084503750006358,"num_words":15,"start":797.005,"end":801.84},{"sentences":[{"text":"So, basically, we've gone through all of this other stuff.","start":801.92004,"end":805.30005,"sentiment":"neutral","sentiment_score":-0.051726967096328735},{"text":"However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College.","start":805.68005,"end":812.56,"sentiment":"neutral","sentiment_score":-0.08615300256539793},{"text":"However, workers' compensation is still being paid to her.","start":812.56,"end":817.30005,"sentiment":"neutral","sentiment_score":-0.04933493667178684},{"text":"So and she's got an SGC.","start":817.605,"end":822.485,"sentiment":"neutral","sentiment_score":0.02862161584198475},{"text":"So yes.","start":822.485,"end":825.385,"sentiment":"neutral","sentiment_score":0.02855020947754383}],"sentiment":"neutral","sentiment_score":-0.049933068877594036,"num_words":44,"start":801.92004,"end":825.385},{"sentences":[{"text":"K.","start":825.52496,"end":826.02496,"sentiment":"neutral","sentiment_score":0.009712745435535908},{"text":"Yes.","start":826.245,"end":826.745,"sentiment":"neutral","sentiment_score":0.025738975033164024},{"text":"Wait.","start":830.42,"end":830.92,"sentiment":"neutral","sentiment_score":-0.0019790371879935265},{"text":"She she went to say yes, and then she went and did a dance.","start":830.98,"end":834.12,"sentiment":"neutral","sentiment_score":-0.025128422704126154},{"text":"Yes.","start":839.77997,"end":840.02997,"sentiment":"neutral","sentiment_score":0.005890529602766037}],"sentiment":"neutral","sentiment_score":-0.017357483609682985,"num_words":18,"start":825.52496,"end":840.02997},{"sentences":[{"text":"Okay.","start":840.02997,"end":840.52997,"sentiment":"neutral","sentiment_score":-0.0044333478435873985},{"text":"Yes.","start":842.195,"end":842.675,"sentiment":"neutral","sentiment_score":0.03386164829134941},{"text":"So, ladies, I'll just read I'll just tell, Larissa what you said and what you Larissa said to you.","start":842.675,"end":850.59503,"sentiment":"neutral","sentiment_score":0.025558157578894968},{"text":"So Larissa said, no.","start":850.59503,"end":851.955,"sentiment":"neutral","sentiment_score":-0.12702801637351513},{"text":"She's still not working.","start":851.955,"end":853.255,"sentiment":"negative","sentiment_score":-0.450802817940712}],"sentiment":"neutral","sentiment_score":-0.061941035958970415,"num_words":29,"start":840.02997,"end":853.255},{"sentences":[{"text":"And so do we get the final date from her?","start":853.635,"end":857.63,"sentiment":"neutral","sentiment_score":0.07192201539874077},{"text":"Or Yes.","start":857.63,"end":858.27,"sentiment":"neutral","sentiment_score":0.07304554432630539},{"text":"You get the final date.","start":858.27,"end":860.05005,"sentiment":"neutral","sentiment_score":0.06348163783550262},{"text":"Okay.","start":861.15,"end":861.65,"sentiment":"neutral","sentiment_score":0.04807549715042114},{"text":"Just bear with me for a second to confirm something else.","start":861.79004,"end":864.69,"sentiment":"neutral","sentiment_score":0.024607604708183895}],"sentiment":"neutral","sentiment_score":0.05177512347441295,"num_words":29,"start":853.635,"end":864.69},{"sentences":[{"text":"That's her declaration.","start":866.91003,"end":868.21,"sentiment":"neutral","sentiment_score":0.010086223483085632},{"text":"I've saved this because we quite often this we're super pain in the ass.","start":868.83,"end":875.72504,"sentiment":"neutral","sentiment_score":-0.2639116369453924},{"text":"Yeah.","start":875.945,"end":876.185,"sentiment":"neutral","sentiment_score":-0.22126534581184387},{"text":"Well, they won't give anything out.","start":876.185,"end":877.705,"sentiment":"negative","sentiment_score":-0.4022189329067866},{"text":"They're bloody dickheads.","start":877.705,"end":879.16504,"sentiment":"negative","sentiment_score":-0.5265350739161173}],"sentiment":"neutral","sentiment_score":-0.29180327451063526,"num_words":27,"start":866.91003,"end":879.16504},{"sentences":[{"text":"Okay.","start":879.865,"end":880.265,"sentiment":"neutral","sentiment_score":-0.07313409447669983},{"text":"We've gone there.","start":880.265,"end":881.325,"sentiment":"neutral","sentiment_score":-0.13072959457834563},{"text":"Have you considered possibly looking at getting the client Hang on.","start":886.84,"end":889.88,"sentiment":"neutral","sentiment_score":0.07655472520061514},{"text":"She was talking.","start":889.88,"end":890.60004,"sentiment":"neutral","sentiment_score":-0.004537013669808705},{"text":"She couldn't hear you.","start":890.60004,"end":891.74005,"sentiment":"neutral","sentiment_score":-0.1805555261671543}],"sentiment":"neutral","sentiment_score":-0.01632063848559152,"num_words":22,"start":879.865,"end":891.74005},{"sentences":[{"text":"Say it again?","start":891.80005,"end":892.7,"sentiment":"neutral","sentiment_score":-0.07801019897063573},{"text":"Have you considered getting the client to do a work cover to Yes.","start":892.76,"end":902.475,"sentiment":"neutral","sentiment_score":-0.02063956383902293},{"text":"Diana?","start":903.495,"end":903.995,"sentiment":"neutral","sentiment_score":-0.02372012473642826},{"text":"Diana?","start":904.535,"end":905.035,"sentiment":"neutral","sentiment_score":-0.029869964346289635},{"text":"Diana?","start":905.175,"end":905.675,"sentiment":"neutral","sentiment_score":-0.03387567028403282}],"sentiment":"neutral","sentiment_score":-0.031042667693997685,"num_words":19,"start":891.80005,"end":905.675},{"sentences":[{"text":"Alright.","start":910.71,"end":911.11,"sentiment":"neutral","sentiment_score":-0.05980303138494491},{"text":"Hit me.","start":911.11,"end":911.85,"sentiment":"neutral","sentiment_score":-0.1208474338054657},{"text":"Fair enough.","start":941.30005,"end":942.10004,"sentiment":"neutral","sentiment_score":0.07255209982395172},{"text":"Have they confirmed?","start":942.10004,"end":943.24005,"sentiment":"neutral","sentiment_score":0.03023899222413699},{"text":"And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because if they Okay.","start":943.30005,"end":965.66,"sentiment":"neutral","sentiment_score":-0.01976118057966232}],"sentiment":"neutral","sentiment_score":-0.016960795065670303,"num_words":33,"start":910.71,"end":965.66},{"sentences":[{"text":"Yeah.","start":966.2,"end":966.7,"sentiment":"neutral","sentiment_score":-0.001956569030880928},{"text":"She's probably not gonna get IP.","start":968.505,"end":969.965,"sentiment":"neutral","sentiment_score":-0.27335373933116597},{"text":"Well, she's probably not gonna get IP, but if she has TPD, she could probably go down the TPD route.","start":975.945,"end":980.55,"sentiment":"neutral","sentiment_score":-0.07690167538821698},{"text":"Oh, cool.","start":984.63,"end":985.51,"sentiment":"neutral","sentiment_score":0.06304471381008625},{"text":"That's this lady.","start":985.51,"end":986.41,"sentiment":"neutral","sentiment_score":0.0335502028465271}],"sentiment":"neutral","sentiment_score":-0.09229288989445195,"num_words":32,"start":966.2,"end":986.41},{"sentences":[{"text":"Mhmm.","start":986.95,"end":987.45,"sentiment":"neutral","sentiment_score":-0.009206414222717283},{"text":"Yep.","start":994.485,"end":994.805,"sentiment":"neutral","sentiment_score":-0.02427276596426964},{"text":"The TPA with any of these providers, what you have to do is you actually have to provide you have to have so with with a industry fund or, you know, You have to provide the TPA for any claim to the fund.","start":994.805,"end":1009.24,"sentiment":"neutral","sentiment_score":-0.04534598652186782},{"text":"You have to also ask for it to be applied to the fund's claims department because it's completely separate to the fund.","start":1009.54004,"end":1015.94,"sentiment":"neutral","sentiment_score":-0.07049635306678036},{"text":"So aware aware claims, and then you also have to get them to send it on to TAO or whoever their insurer is as well.","start":1015.94,"end":1023.15497,"sentiment":"neutral","sentiment_score":-0.08332185924053193}],"sentiment":"neutral","sentiment_score":-0.06105785705554097,"num_words":92,"start":986.95,"end":1023.15497},{"sentences":[{"text":"So one claim is three fucking separate TPAs.","start":1023.15497,"end":1026.0549,"sentiment":"negative","sentiment_score":-0.4468696787953377},{"text":"Obviously, same TPA document, but you have to ask for it to be applied with each of the departments.","start":1026.355,"end":1031.255,"sentiment":"neutral","sentiment_score":-0.20959284352628807},{"text":"It's bullshit.","start":1031.315,"end":1032.135,"sentiment":"negative","sentiment_score":-0.6175422072410583},{"text":"But anyway especially the, like, the aware claims department.","start":1032.47,"end":1035.43,"sentiment":"neutral","sentiment_score":-0.17515674233436584},{"text":"I get how how is a separate entity, but at least the aware claims department is just bullshit.","start":1035.43,"end":1040.65,"sentiment":"neutral","sentiment_score":-0.3009119919604725}],"sentiment":"neutral","sentiment_score":-0.2818773644311087,"num_words":56,"start":1023.15497,"end":1040.65},{"sentences":[{"text":"Anyway, Yeah.","start":1040.9501,"end":1048.5851,"sentiment":"neutral","sentiment_score":-0.014296835288405418},{"text":"Yeah.","start":1061.9401,"end":1062.4401,"sentiment":"neutral","sentiment_score":-0.10630553960800172},{"text":"Is the aware bracket 70 percent?","start":1082.0499,"end":1084.07,"sentiment":"neutral","sentiment_score":-0.05183580704033375},{"text":"Is the aware bracket?","start":1084.69,"end":1085.8099,"sentiment":"neutral","sentiment_score":-0.0272322753444314},{"text":"Is aware 70%, and is her policy 70%?","start":1085.8099,"end":1088.61,"sentiment":"neutral","sentiment_score":0.00019553233869373798}],"sentiment":"neutral","sentiment_score":-0.026346614052142416,"num_words":21,"start":1040.9501,"end":1088.61},{"sentences":[{"text":"Alright.","start":1088.61,"end":1089.01,"sentiment":"neutral","sentiment_score":0.06271207332611084},{"text":"There you go.","start":1089.01,"end":1089.6499,"sentiment":"neutral","sentiment_score":0.07776346057653427},{"text":"Cool.","start":1089.6499,"end":1090.1499,"sentiment":"neutral","sentiment_score":0.22674629092216492},{"text":"Yes.","start":1110.88,"end":1111.38,"sentiment":"neutral","sentiment_score":-0.008335432037711143},{"text":"Yes.","start":1123.535,"end":1124.035,"sentiment":"neutral","sentiment_score":0.003154464066028595}],"sentiment":"neutral","sentiment_score":0.07393825400088515,"num_words":7,"start":1088.61,"end":1124.035},{"sentences":[{"text":"Yeah.","start":1140.685,"end":1141.185,"sentiment":"neutral","sentiment_score":0.05890281870961189},{"text":"I mean, realistically, you can also you can also ask aware, hey.","start":1150.125,"end":1154.25,"sentiment":"neutral","sentiment_score":0.04327770912398895},{"text":"There's a claim that's being submitted.","start":1154.25,"end":1155.63,"sentiment":"neutral","sentiment_score":0.007297731780757506},{"text":"If the claim is open and pending for the condition that was diagnosed here and the account becomes closed, is the claim still valid?","start":1155.69,"end":1163.0499,"sentiment":"neutral","sentiment_score":-0.015871754226585228},{"text":"And the answer's gonna be yes.","start":1163.0499,"end":1164.09,"sentiment":"neutral","sentiment_score":0.08903542285164197}],"sentiment":"neutral","sentiment_score":0.01582269703171083,"num_words":49,"start":1140.685,"end":1164.09},{"sentences":[{"text":"I can tell you now the answer's gonna be yes because irrespective, even if we closed the account today, it's for predating.","start":1164.09,"end":1169.1549,"sentiment":"neutral","sentiment_score":0.0051878069273450155},{"text":"It's for a preexisting condition.","start":1169.2949,"end":1170.735,"sentiment":"neutral","sentiment_score":-0.2136817216873169},{"text":"So just you can close the account.","start":1170.735,"end":1173.475,"sentiment":"neutral","sentiment_score":-0.00022853857704571316},{"text":"You can one 100% close the account.","start":1173.9349,"end":1175.5549,"sentiment":"neutral","sentiment_score":0.23760401883295604},{"text":"Oh, wow.","start":1199.725,"end":1200.385,"sentiment":"neutral","sentiment_score":-0.003767249872907996}],"sentiment":"neutral","sentiment_score":0.016274814093268888,"num_words":43,"start":1164.09,"end":1200.385},{"sentences":[{"text":"Yeah.","start":1210.78,"end":1211.28,"sentiment":"neutral","sentiment_score":-0.006349459290504456},{"text":"I love.","start":1221.275,"end":1221.915,"sentiment":"positive","sentiment_score":0.5607409775257111},{"text":"Alright.","start":1221.915,"end":1222.235,"sentiment":"neutral","sentiment_score":0.2003905028104782},{"text":"Well, I'll leave it with you, and I'm gonna go back to my spreadsheet.","start":1222.235,"end":1224.5751,"sentiment":"neutral","sentiment_score":0.11585421061941556},{"text":"Yeah.","start":1232.73,"end":1233.05,"sentiment":"neutral","sentiment_score":-0.06014569103717804}],"sentiment":"neutral","sentiment_score":0.15143875032663345,"num_words":19,"start":1210.78,"end":1233.05},{"sentences":[{"text":"No.","start":1233.05,"end":1233.29,"sentiment":"neutral","sentiment_score":-0.1641503870487213},{"text":"She's not gainfully employed.","start":1233.29,"end":1234.73,"sentiment":"neutral","sentiment_score":-0.21023180335760117},{"text":"She's she's literally receiving compensation payments.","start":1234.73,"end":1237.77,"sentiment":"neutral","sentiment_score":-0.17702161024014154},{"text":"So No.","start":1237.77,"end":1238.49,"sentiment":"neutral","sentiment_score":-0.10027286410331726},{"text":"She's good.","start":1238.49,"end":1239.31,"sentiment":"neutral","sentiment_score":0.10150482505559921}],"sentiment":"neutral","sentiment_score":-0.13764955600102743,"num_words":15,"start":1233.05,"end":1239.31},{"sentences":[{"text":"Alright.","start":1239.53,"end":1240.01,"sentiment":"neutral","sentiment_score":0.17455057799816132},{"text":"Much love.","start":1240.01,"end":1240.725,"sentiment":"neutral","sentiment_score":0.31224438548088074},{"text":"Bye bye.","start":1241.0449,"end":1241.705,"sentiment":"neutral","sentiment_score":0.13332469761371613},{"text":"Oh, it's that it's me.","start":1246.085,"end":1250.265,"sentiment":"neutral","sentiment_score":0.01078756432980299},{"text":"Larissa gave me the headset, and she's gone.","start":1250.485,"end":1252.985,"sentiment":"neutral","sentiment_score":-0.008906782953999937}],"sentiment":"neutral","sentiment_score":0.05824290567802058,"num_words":18,"start":1239.53,"end":1252.985},{"sentences":[{"text":"Did did you wanna ask her that?","start":1254.01,"end":1256.01,"sentiment":"neutral","sentiment_score":0.05938269144722393},{"text":"Or okay.","start":1256.01,"end":1262.51,"sentiment":"neutral","sentiment_score":0.12420416250824928},{"text":"Alright.","start":1264.17,"end":1264.67,"sentiment":"positive","sentiment_score":0.40228304266929626},{"text":"Great.","start":1264.81,"end":1265.21,"sentiment":"positive","sentiment_score":0.6822372674942017},{"text":"Now I've gone back to the ID because there was something that didn't feel right.","start":1265.21,"end":1270.0851,"sentiment":"neutral","sentiment_score":-0.06798905581235885}],"sentiment":"neutral","sentiment_score":0.028029678389430046,"num_words":26,"start":1254.01,"end":1270.0851},{"sentences":[{"text":"And it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months.","start":1270.305,"end":1278.3251,"sentiment":"neutral","sentiment_score":0.04160448916566869},{"text":"So yeah, or we can send a copy of her driver's license and medicare card.","start":1279.505,"end":1291.17,"sentiment":"neutral","sentiment_score":0.07947563988467057},{"text":"Let me just see here.","start":1291.17,"end":1292.21,"sentiment":"neutral","sentiment_score":0.07845668643712997},{"text":"Let me read this again.","start":1292.21,"end":1293.35,"sentiment":"neutral","sentiment_score":0.057563286274671555},{"text":"Sabi's not in.","start":1298.5349,"end":1299.6749,"sentiment":"neutral","sentiment_score":-0.042988795787096024}],"sentiment":"neutral","sentiment_score":0.05272645797007359,"num_words":52,"start":1270.305,"end":1299.6749},{"sentences":[{"text":"Okay.","start":1300.2949,"end":1300.7949,"sentiment":"neutral","sentiment_score":0.059606075286865234},{"text":"Tell me on the Okay.","start":1300.855,"end":1305.5249,"sentiment":"neutral","sentiment_score":0.06915420144796372},{"text":"Yep.","start":1309.35,"end":1309.85,"sentiment":"neutral","sentiment_score":0.07239100337028503},{"text":"Okay.","start":1311.35,"end":1311.85,"sentiment":"neutral","sentiment_score":0.007625501602888107},{"text":"It was the 04/10/2024.","start":1316.23,"end":1319.6699,"sentiment":"neutral","sentiment_score":-0.012361181317828596}],"sentiment":"neutral","sentiment_score":0.03632907185237855,"num_words":12,"start":1300.2949,"end":1319.6699},{"sentences":[{"text":"Let me just open it up.","start":1319.6699,"end":1320.63,"sentiment":"neutral","sentiment_score":-0.008319953456521034},{"text":"I know it was 2024, definitely.","start":1320.63,"end":1322.755,"sentiment":"neutral","sentiment_score":-0.031295662435392536},{"text":"So that's what I was a bit concerned.","start":1322.815,"end":1324.335,"sentiment":"neutral","sentiment_score":-0.13387917261570692},{"text":"I thought that it just didn't sound right with it being almost two years old.","start":1324.335,"end":1330.115,"sentiment":"neutral","sentiment_score":-0.21834077934424082},{"text":"Okay.","start":1330.335,"end":1330.815,"sentiment":"neutral","sentiment_score":-0.03693370893597603}],"sentiment":"neutral","sentiment_score":-0.12835479098268682,"num_words":36,"start":1319.6699,"end":1330.815},{"sentences":[{"text":"So yep.","start":1330.815,"end":1342.7101,"sentiment":"neutral","sentiment_score":0.012521706521511078},{"text":"Yep.","start":1343.0901,"end":1343.5901,"sentiment":"neutral","sentiment_score":0.054514236748218536},{"text":"Yep.","start":1348.4651,"end":1348.9651,"sentiment":"neutral","sentiment_score":0.006839110516011715},{"text":"Yep.","start":1349.5851,"end":1350.0851,"sentiment":"neutral","sentiment_score":0.1601908802986145},{"text":"Yep.","start":1350.145,"end":1350.4651,"sentiment":"neutral","sentiment_score":0.20591571927070615}],"sentiment":"neutral","sentiment_score":0.07541722664609551,"num_words":6,"start":1330.815,"end":1350.4651},{"sentences":[{"text":"Yep.","start":1350.4651,"end":1350.9651,"sentiment":"neutral","sentiment_score":0.15955612063407898},{"text":"Yeah.","start":1351.5851,"end":1351.9851,"sentiment":"neutral","sentiment_score":0.0349833145737648},{"text":"And and the ID, I think when I had a look at it let me just go back for a second.","start":1351.9851,"end":1357.125,"sentiment":"neutral","sentiment_score":-0.04340601455242861},{"text":"That's all over the place here.","start":1358.11,"end":1359.89,"sentiment":"neutral","sentiment_score":-0.1117051603893439},{"text":"K.","start":1360.75,"end":1361.25,"sentiment":"neutral","sentiment_score":-0.0014548045583069324}],"sentiment":"neutral","sentiment_score":-0.04628908790958424,"num_words":30,"start":1350.4651,"end":1361.25},{"sentences":[{"text":"Photo ID.","start":1361.39,"end":1362.77,"sentiment":"neutral","sentiment_score":-0.00484894635155797},{"text":"Front.","start":1366.19,"end":1366.69,"sentiment":"neutral","sentiment_score":0.0011882632970809937},{"text":"It's a date on it.","start":1370.605,"end":1371.825,"sentiment":"neutral","sentiment_score":0.004581664316356182},{"text":"Okay.","start":1375.1649,"end":1375.565,"sentiment":"neutral","sentiment_score":0.0282747745513916},{"text":"That's that one.","start":1375.565,"end":1376.5449,"sentiment":"neutral","sentiment_score":0.00413321206967036}],"sentiment":"neutral","sentiment_score":0.004589425244679053,"num_words":12,"start":1361.39,"end":1376.5449},{"sentences":[{"text":"Yeah.","start":1381.325,"end":1381.825,"sentiment":"neutral","sentiment_score":-0.01150478981435299},{"text":"Okay.","start":1390.97,"end":1391.21,"sentiment":"neutral","sentiment_score":-0.010349640622735023},{"text":"Yeah.","start":1391.21,"end":1391.53,"sentiment":"neutral","sentiment_score":-0.016721244901418686},{"text":"I thought we had a an older one.","start":1391.53,"end":1393.61,"sentiment":"neutral","sentiment_score":-0.06206682417541742},{"text":"Yeah.","start":1393.61,"end":1393.85,"sentiment":"neutral","sentiment_score":-0.018726132810115818}],"sentiment":"neutral","sentiment_score":-0.046153033462663494,"num_words":12,"start":1381.325,"end":1393.85},{"sentences":[{"text":"I've got that in front of me now.","start":1393.85,"end":1395.13,"sentiment":"neutral","sentiment_score":-0.00774580508004874},{"text":"So, look, what I'll do is I will go through I'll edit that.","start":1395.13,"end":1399.125,"sentiment":"neutral","sentiment_score":0.01529885341341679},{"text":"I'll get make sure Larissa is happy to do it.","start":1399.125,"end":1403.3049,"sentiment":"neutral","sentiment_score":0.05252444427460432},{"text":"And then what I'll do is I will get run that through.","start":1403.765,"end":1408.905,"sentiment":"neutral","sentiment_score":0.02842578198760748},{"text":"Because I think they did that recently.","start":1409.81,"end":1411.59,"sentiment":"neutral","sentiment_score":-0.008452595211565495}],"sentiment":"neutral","sentiment_score":0.018882086277008058,"num_words":50,"start":1393.85,"end":1411.59},{"sentences":[{"text":"Is it her?","start":1414.13,"end":1415.11,"sentiment":"neutral","sentiment_score":-0.017945890004436176},{"text":"Must be somebody else.","start":1415.33,"end":1416.37,"sentiment":"neutral","sentiment_score":-0.05800268426537514},{"text":"Anyhow, I'll get that sorted so that we won't have to worry about that.","start":1416.37,"end":1420.05,"sentiment":"neutral","sentiment_score":0.16422169682170665},{"text":"I'm glad to mention that because I didn't think with all the other things.","start":1420.05,"end":1423.855,"sentiment":"neutral","sentiment_score":0.32696340552398134},{"text":"So, you know, awesome.","start":1423.855,"end":1425.555,"sentiment":"positive","sentiment_score":0.5287386700510979}],"sentiment":"neutral","sentiment_score":0.22322301810177472,"num_words":39,"start":1414.13,"end":1425.555},{"sentences":[{"text":"Alrighty.","start":1425.855,"end":1426.355,"sentiment":"positive","sentiment_score":0.637736976146698},{"text":"Thanks.","start":1429.055,"end":1429.555,"sentiment":"positive","sentiment_score":0.6768397092819214},{"text":"Thank you.","start":1429.9349,"end":1430.835,"sentiment":"positive","sentiment_score":0.5604502260684967},{"text":"Alrighty.","start":1431.135,"end":1431.635,"sentiment":"neutral","sentiment_score":0.17646995186805725},{"text":"I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he?","start":1431.855,"end":1437.6,"sentiment":"neutral","sentiment_score":0.07636992193758488}],"sentiment":"neutral","sentiment_score":0.1507065045957764,"num_words":30,"start":1425.855,"end":1437.6},{"sentences":[{"text":"Yep.","start":1443.9199,"end":1444.4199,"sentiment":"neutral","sentiment_score":0.01080521196126938},{"text":"Yep.","start":1448.96,"end":1449.44,"sentiment":"neutral","sentiment_score":0.03205946460366249},{"text":"Yep.","start":1449.44,"end":1449.76,"sentiment":"neutral","sentiment_score":0.035828396677970886},{"text":"Yep.","start":1449.76,"end":1450.16,"sentiment":"neutral","sentiment_score":0.05359887331724167},{"text":"Yep.","start":1450.16,"end":1450.605,"sentiment":"neutral","sentiment_score":0.10307195782661438}],"sentiment":"neutral","sentiment_score":0.04707278087735176,"num_words":5,"start":1443.9199,"end":1450.605},{"sentences":[{"text":"Awesome.","start":1450.845,"end":1451.345,"sentiment":"neutral","sentiment_score":0.3100484013557434},{"text":"Alright.","start":1451.8049,"end":1452.3049,"sentiment":"neutral","sentiment_score":0.24050164222717285},{"text":"Okay.","start":1452.525,"end":1453.005,"sentiment":"neutral","sentiment_score":0.09665953367948532},{"text":"I'll continue on.","start":1453.005,"end":1454.385,"sentiment":"neutral","sentiment_score":0.0804743121067683},{"text":"And with how now let me just go back because I overheard you and Larissa speaking about how so I'm just gonna try and open up my my bloody screen again.","start":1455.085,"end":1465.91,"sentiment":"neutral","sentiment_score":-0.009454936209705568}],"sentiment":"neutral","sentiment_score":0.016095391650860373,"num_words":37,"start":1450.845,"end":1465.91},{"sentences":[{"text":"Okay.","start":1466.45,"end":1466.85,"sentiment":"neutral","sentiment_score":-0.0010551679879426956},{"text":"So let's go here.","start":1466.85,"end":1467.89,"sentiment":"neutral","sentiment_score":0.00023084230633685365},{"text":"Some action items.","start":1467.89,"end":1469.03,"sentiment":"neutral","sentiment_score":-0.013942315553625425},{"text":"Full Telstra ID claims.","start":1469.09,"end":1470.55,"sentiment":"neutral","sentiment_score":-0.027847899589687586},{"text":"Was not able to provide the claim number, but if we provide details of client, they should be able to search.","start":1471.57,"end":1476.05,"sentiment":"neutral","sentiment_score":-0.05600735642725513}],"sentiment":"neutral","sentiment_score":-0.04028802511377514,"num_words":33,"start":1466.45,"end":1476.05},{"sentences":[{"text":"Okay.","start":1476.05,"end":1476.55,"sentiment":"neutral","sentiment_score":-0.019995393231511116},{"text":"So Yep.","start":1476.9299,"end":1494.9199,"sentiment":"neutral","sentiment_score":0.009706799872219563},{"text":"Yep.","start":1494.9199,"end":1495.4199,"sentiment":"neutral","sentiment_score":0.049909304827451706},{"text":"Yep.","start":1496.04,"end":1496.44,"sentiment":"neutral","sentiment_score":0.08804594725370407},{"text":"We'll try that first.","start":1496.44,"end":1497.74,"sentiment":"neutral","sentiment_score":0.0812368281185627}],"sentiment":"neutral","sentiment_score":0.05136897456314829,"num_words":9,"start":1476.05,"end":1497.74},{"sentences":[{"text":"Let me check correspondence, though, because I've got a feeling there's a claim number in here.","start":1497.88,"end":1504.22,"sentiment":"neutral","sentiment_score":-0.027574430569075048},{"text":"I'm positive I saw something.","start":1505.355,"end":1507.615,"sentiment":"neutral","sentiment_score":-0.08890320211648942},{"text":"MLC.","start":1508.555,"end":1509.055,"sentiment":"neutral","sentiment_score":-0.02001025155186653},{"text":"Yep.","start":1514.155,"end":1514.655,"sentiment":"neutral","sentiment_score":0.02597706578671932},{"text":"Where let's go in here.","start":1516.395,"end":1518.415,"sentiment":"neutral","sentiment_score":0.006065583601593971}],"sentiment":"neutral","sentiment_score":-0.030336148837315186,"num_words":28,"start":1497.88,"end":1518.415},{"sentences":[{"text":"TPD.","start":1519.01,"end":1519.51,"sentiment":"neutral","sentiment_score":0.0010299062123522162},{"text":"I'm just gonna have a look and see if it's got anything on here.","start":1520.0499,"end":1523.4299,"sentiment":"neutral","sentiment_score":0.006965090188064745},{"text":"Okay.","start":1524.69,"end":1525.09,"sentiment":"neutral","sentiment_score":0.007248462177813053},{"text":"So that's a t so is the permanent is the TPD completely separate to the IP?","start":1525.09,"end":1531.99,"sentiment":"neutral","sentiment_score":-0.016397292318288237},{"text":"Okay.","start":1535.005,"end":1535.505,"sentiment":"neutral","sentiment_score":0.003949260339140892}],"sentiment":"neutral","sentiment_score":-0.004624781385769673,"num_words":33,"start":1519.01,"end":1535.505},{"sentences":[{"text":"Okay.","start":1538.205,"end":1538.705,"sentiment":"neutral","sentiment_score":0.0180036760866642},{"text":"Because I remember looking at these and seeing Tel somewhere.","start":1544.205,"end":1547.745,"sentiment":"neutral","sentiment_score":-0.0150233238004148},{"text":"Alright.","start":1550.6,"end":1550.92,"sentiment":"neutral","sentiment_score":0.06410250067710876},{"text":"Leave it with me.","start":1550.92,"end":1551.8,"sentiment":"neutral","sentiment_score":0.06523450557142496},{"text":"I'll look through it, and I'll let you know if I find it.","start":1551.8,"end":1554.12,"sentiment":"neutral","sentiment_score":0.10696095744004616}],"sentiment":"neutral","sentiment_score":0.054596669233307756,"num_words":29,"start":1538.205,"end":1554.12},{"sentences":[{"text":"Okay?","start":1554.12,"end":1554.62,"sentiment":"neutral","sentiment_score":0.01816144585609436},{"text":"Yeah.","start":1557.96,"end":1558.28,"sentiment":"neutral","sentiment_score":-0.029523879289627075},{"text":"But and that's the thing.","start":1558.28,"end":1560.2,"sentiment":"neutral","sentiment_score":-0.08531209975481033},{"text":"I'm looking through those attachments now.","start":1560.2,"end":1562.38,"sentiment":"neutral","sentiment_score":-0.09809494266907375},{"text":"Yeah.","start":1568.635,"end":1569.135,"sentiment":"neutral","sentiment_score":-0.05619129538536072}],"sentiment":"neutral","sentiment_score":-0.07733456311481339,"num_words":14,"start":1554.12,"end":1569.135},{"sentences":[{"text":"I'm positive I've seen something with how on it that was that looked out of place.","start":1573.275,"end":1578.76,"sentiment":"neutral","sentiment_score":-0.3190880976617336},{"text":"Margalit.","start":1579.54,"end":1580.04,"sentiment":"neutral","sentiment_score":-0.1184915229678154},{"text":"Let's have a look at that.","start":1580.34,"end":1581.88,"sentiment":"neutral","sentiment_score":-0.06040500166515509},{"text":"That's the sender.","start":1582.9,"end":1583.7999,"sentiment":"neutral","sentiment_score":-0.0961597387989362},{"text":"Okay.","start":1590.275,"end":1590.775,"sentiment":"neutral","sentiment_score":-0.02539126947522163}],"sentiment":"neutral","sentiment_score":-0.21852598449698202,"num_words":27,"start":1573.275,"end":1590.775},{"sentences":[{"text":"K.","start":1600.995,"end":1601.155,"sentiment":"neutral","sentiment_score":-0.029485497623682026},{"text":"I'm positive I saw tell somewhere.","start":1601.155,"end":1603.575,"sentiment":"neutral","sentiment_score":-0.06324311345815659},{"text":"Let's see what this brings up.","start":1605.66,"end":1607.36,"sentiment":"neutral","sentiment_score":-0.060072782138983406},{"text":"K.","start":1615.34,"end":1615.66,"sentiment":"neutral","sentiment_score":-0.06653183698654175},{"text":"Not there.","start":1615.66,"end":1616.4,"sentiment":"neutral","sentiment_score":-0.09883446991443634}],"sentiment":"neutral","sentiment_score":-0.06459885300137103,"num_words":16,"start":1600.995,"end":1616.4},{"sentences":[{"text":"K.","start":1620.615,"end":1620.935,"sentiment":"neutral","sentiment_score":-0.03741532564163208},{"text":"Let's go to here.","start":1620.935,"end":1624.9551,"sentiment":"neutral","sentiment_score":-0.01905897818505764},{"text":"K.","start":1627.015,"end":1627.515,"sentiment":"neutral","sentiment_score":-0.021910030394792557},{"text":"Yep.","start":1641.255,"end":1641.755,"sentiment":"neutral","sentiment_score":0.0013000636827200651},{"text":"No worries.","start":1643.095,"end":1643.755,"sentiment":"neutral","sentiment_score":0.03680313192307949}],"sentiment":"neutral","sentiment_score":-0.006739437916419572,"num_words":9,"start":1620.615,"end":1643.755},{"sentences":[{"text":"Alright.","start":1643.895,"end":1644.395,"sentiment":"neutral","sentiment_score":0.07344439625740051},{"text":"Yep.","start":1651.8151,"end":1652.3151,"sentiment":"neutral","sentiment_score":-0.14030484855175018},{"text":"Yep.","start":1659.11,"end":1659.61,"sentiment":"neutral","sentiment_score":0.042330753058195114},{"text":"Yep.","start":1660.71,"end":1661.21,"sentiment":"neutral","sentiment_score":0.05746377259492874},{"text":"Alright.","start":1662.55,"end":1663.05,"sentiment":"neutral","sentiment_score":0.1145179271697998}],"sentiment":"neutral","sentiment_score":0.029490400105714798,"num_words":5,"start":1643.895,"end":1663.05},{"sentences":[{"text":"Okay.","start":1663.43,"end":1663.93,"sentiment":"neutral","sentiment_score":0.13041895627975464},{"text":"I'll let you know if I find anything, and I'll ask Aware.","start":1663.99,"end":1667.77,"sentiment":"neutral","sentiment_score":0.1319800391793251},{"text":"Sorry.","start":1668.9651,"end":1669.4451,"sentiment":"neutral","sentiment_score":-0.012581465765833856},{"text":"I'll call Aware again and see if I can get the claim number for the IP.","start":1669.4451,"end":1674.265,"sentiment":"neutral","sentiment_score":0.1004401477985084},{"text":"Okay.","start":1676.0851,"end":1676.5851,"sentiment":"positive","sentiment_score":0.39447447657585144}],"sentiment":"neutral","sentiment_score":0.11945531619412283,"num_words":31,"start":1663.43,"end":1676.5851},{"sentences":[{"text":"Awesome.","start":1677.045,"end":1677.545,"sentiment":"positive","sentiment_score":0.7892653346061707},{"text":"Okay.","start":1678.645,"end":1679.145,"sentiment":"positive","sentiment_score":0.570608377456665},{"text":"Thank you, Dana.","start":1679.2051,"end":1680.425,"sentiment":"positive","sentiment_score":0.6312335332234701},{"text":"You enjoy your lunch.","start":1681.125,"end":1682.505,"sentiment":"positive","sentiment_score":0.37767404317855835},{"text":"Okay, doll.","start":1683.12,"end":1684.1,"sentiment":"neutral","sentiment_score":0.09339790418744087}],"sentiment":"positive","sentiment_score":0.45009693571112375,"num_words":11,"start":1677.045,"end":1684.1},{"sentences":[{"text":"Okay.","start":1684.16,"end":1684.66,"sentiment":"neutral","sentiment_score":0.046648912131786346},{"text":"Oh, okay, doll.","start":1688.64,"end":1689.6,"sentiment":"neutral","sentiment_score":0.2951701084772746},{"text":"Thank you so much.","start":1689.6,"end":1690.66,"sentiment":"positive","sentiment_score":0.7527599483728409},{"text":"Okay.","start":1691.4401,"end":1691.84,"sentiment":"positive","sentiment_score":0.34586212038993835},{"text":"Bye bye.","start":1691.84,"end":1692.58,"sentiment":"neutral","sentiment_score":0.1752983257174492}],"sentiment":"positive","sentiment_score":0.42178707298907364,"num_words":11,"start":1684.16,"end":1692.58},{"sentences":[{"text":"Bye.","start":1692.72,"end":1693.22,"sentiment":"neutral","sentiment_score":0.1311512291431427},{"text":"Bye.","start":1693.76,"end":1694.26,"sentiment":"neutral","sentiment_score":-0.11630330979824066}],"sentiment":"neutral","sentiment_score":0.007423959672451019,"num_words":2,"start":1692.72,"end":1694.26}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Michelle.\n\nChannel 1: Hello. I just realized it's your lunchtime. Don't\n\nChannel 0: No. You're\n\nChannel 1: email\n\nChannel 0: fine.\n\nChannel 1: don't\n\nChannel 0: I\n\nChannel 1: message\n\nChannel 0: am.\n\nChannel 1: back until after lunch.\n\nChannel 0: I'm I'm just I'm just replying now. It's all good. With the everything's fine. With the choice of payment order, so the how we're gonna withdraw the funds, is that just the\n\nChannel 1: Yep.\n\nChannel 0: because I can't find, like, the asset allocation. Is that just her current asset allocation in Aware, like, pro\n\nChannel 1: It\n\nChannel 0: rata?\n\nChannel 1: is.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Perfect.\n\nChannel 1: that is that is her asset allocation. So I've\n\nChannel 0: Yep.\n\nChannel 1: been doing a little bit of corrective searching myself\n\nChannel 0: Yes.\n\nChannel 1: and was not sure whether the conservative balance would be the index and whether the balance would be indexed. So I chose the index ones, but\n\nChannel 0: Yeah.\n\nChannel 1: and I put the 34% in the conservative balance because I figured that would be a much more well,\n\nChannel 0: Yeah.\n\nChannel 1: there wouldn't be as much coming out of that as, for example, a balanced index would give. Is that right?\n\nChannel 0: Yeah.\n\nChannel 1: It's more\n\nChannel 0: Should\n\nChannel 1: conservative.\n\nChannel 0: be fine. Do they and they used to have a button they used to have a box on here that said pro rata. Do they not\n\nChannel 1: Yep.\n\nChannel 0: have that box there anymore?\n\nChannel 1: No. I've only got what's there. What\n\nChannel 0: Yeah.\n\nChannel 1: it says,\n\nChannel 0: That's fine.\n\nChannel 1: yeah. So that's where it says you you've actually gotta do one or the other.\n\nChannel 0: Yeah. Okay. No. That's alright.\n\nChannel 1: And, yeah, did I pop a screenshot of what her a lot her what her actual statement said. Did I pop that in Teams or not?\n\nChannel 0: Oh, is this is\n\nChannel 1: Oh,\n\nChannel 0: the bottom?\n\nChannel 1: I didn't.\n\nChannel 0: I think\n\nChannel 1: Okay.\n\nChannel 0: you did.\n\nChannel 1: I'll show you. Oh, really?\n\nChannel 0: Unless the withdrawal form.\n\nChannel 1: No. Just let me have a look because I'll show you. That way, you will see what she's got,\n\nChannel 0: Yep.\n\nChannel 1: which is why I've chosen those.\n\nChannel 0: Yeah.\n\nChannel 1: Let's\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: fine.\n\nChannel 1: back here. I just wanted to make sure I did it right, and I thought I can certainly I can ask Larissa or\n\nChannel 0: Yeah.\n\nChannel 1: somebody\n\nChannel 0: No.\n\nChannel 1: else\n\nChannel 0: That's\n\nChannel 1: here, but\n\nChannel 0: okay.\n\nChannel 1: I just thought if I asked you only because you you\n\nChannel 0: Yeah.\n\nChannel 1: know exactly what's going on.\n\nChannel 0: That's\n\nChannel 1: Alright.\n\nChannel 0: absolutely fine. I just can't find the statement they sent us with with the asset allocation is on that statement.\n\nChannel 1: Yep. There it\n\nChannel 0: But\n\nChannel 1: is now. I just dropped it in.\n\nChannel 0: perfect.\n\nChannel 1: So that's what I went off. But it said balanced, but it\n\nChannel 0: Yeah.\n\nChannel 1: had accumulation accumulation.\n\nChannel 0: Mhmm.\n\nChannel 1: So I've popped it in the index. Is that right, or do I need to change it?\n\nChannel 0: It should be fine. Let me have a quick look at the other, see if another statement has exactly which one it is.\n\nChannel 1: Mhmm.\n\nChannel 0: Let's go to here. It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Insurance.\n\nChannel 1: Let me see what I can see as well.\n\nChannel 0: Super. Balance. Oh, yeah. Her old thing does say future saver, so that's perfectly fine.\n\nChannel 1: Yep.\n\nChannel 0: Life\n\nChannel 1: I\n\nChannel 0: cycle.\n\nChannel 1: just searched the USI because I thought\n\nChannel 0: Yeah.\n\nChannel 1: that me, and I checked that the fund was set up between those dates, 2014.\n\nChannel 0: Yep. No. It's perfect. Did great.\n\nChannel 1: Oh, thank you.\n\nChannel 0: Aware rundowns. So rundown we have at the moment. Retained research aware. Let's have a look at this. So asset allocation.\n\nNope. That doesn't say anything that this is. Do you have money invested? Yes. I wonder if this old account summary will have something for us.\n\nThat's the same thing we got at the moment. It might have to oh, here we go. Oh, but it looks like she changed something there.\n\nChannel 1: I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to\n\nChannel 0: Yeah.\n\nChannel 1: that those\n\nChannel 0: Yeah.\n\nChannel 1: figures.\n\nChannel 0: So if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it. It would be it would be what the in index is, and there's really nothing else that says that. Index. Conservative balance. You know what I think I would probably just do is I would change it from the balance index to the conservative\n\nChannel 1: Yep.\n\nChannel 0: balance and the balance because when I look at the rundown,\n\nChannel 1: Yep. Alright. Let me\n\nChannel 0: it\n\nChannel 1: go\n\nChannel 0: doesn't\n\nChannel 1: do it while I've got you on the phone\n\nChannel 0: yeah. You're right.\n\nChannel 1: because I wanna get it right. So here, is that it? No. That's not the one I'm working on.\n\nChannel 0: Well, it says she has a list in cash too. We could probably just\n\nChannel 1: So\n\nChannel 0: withdraw it out of the cash, a 100% for the cash.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Because it's all\n\nChannel 1: Okay.\n\nChannel 0: in cash. They haven't invested any of the money from what I can see. So just do a 100% for the cash account because\n\nChannel 1: Okay. Okay.\n\nChannel 0: they've she's got 80,000 sitting in cash.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So where are you seeing that? Just oh, I can see it now.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. I should have opened my eyes, shouldn't I?\n\nChannel 0: Yeah. No. Just do it from that. Because, I mean, if we say pro rata anyway, they're just gonna take it from the cash account.\n\nChannel 1: Yep. Okay. I've just changed\n\nChannel 0: Yeah.\n\nChannel 1: that to cash.\n\nChannel 0: Yep.\n\nChannel 1: So what I might do so let me I'm gonna start at the top. So everything at the top is correct. Step\n\nChannel 0: Yep.\n\nChannel 1: one.\n\nChannel 0: Yep.\n\nChannel 1: Step two, proof of identity. I think I'm gonna have to confirm with her whether she's provided that previously. The only concern I have is we don't know if she's provided those banking details.\n\nChannel 0: Yes. So I had a look online. It says that so she because she's in accumulation, she's never had a withdrawal. They won't have her bank account information. They only normally get that when you're in pension phase.\n\nChannel 1: Mhmm.\n\nChannel 0: So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do.\n\nChannel 1: Okay. So we won't need to provide documents.\n\nChannel 0: We shouldn't have to. So I did sort of have a quick look when I was talking to her because I said, Andrew, you know that sometimes request, like, a copy of your bank statement to show it. But on the form there, does it say that it's gonna ask her to provide any of the bank statements?\n\nChannel 1: It just says previously provided certified proof of identity.\n\nChannel 0: Oh, just the ID section. No. That's okay. So\n\nChannel 1: Yes.\n\nChannel 0: we'll probably\n\nChannel 1: Step\n\nChannel 0: just\n\nChannel 1: two.\n\nChannel 0: if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base.\n\nChannel 1: Yep. Okay. That's 2024. Is that gonna be sufficient?\n\nChannel 0: That's fine. As long as the ID is valid, it shouldn't be a problem.\n\nChannel 1: Okay. So so should I just what should I tick there? I will provide proof of identification.\n\nChannel 0: Yeah. Yes. Yep. And we'll attach\n\nChannel 1: Okay.\n\nChannel 0: it with the form so it all gets sent off together.\n\nChannel 1: Okay. Nominate the amount you'd like to withdraw. I popped in there 500 50 k, not 500. You're\n\nChannel 0: Mhmm.\n\nChannel 1: doing well. She's got that. I popped in partial withdrawal. So because she's retired, is that going to be after tax or prior\n\nChannel 0: No. She's\n\nChannel 1: to?\n\nChannel 0: yeah. No. It'll be we'll put into the gross amount,\n\nChannel 1: Mhmm.\n\nChannel 0: but we want it to be net. So you can put it in if they have the gross I'm just having a quick look at the form. If they have, like, gross and or net, we can just put it in just put 50,000 after tax. It'll be fine.\n\nChannel 1: Okay. After tax. Yeah. Just\n\nChannel 0: Yep.\n\nChannel 1: okay. So let me just pop the 50\n\nChannel 0: Beautiful.\n\nChannel 1: caps.\n\nChannel 0: No worries.\n\nChannel 1: If I have to pay thousand dollars. Okay. K. So we've got the 100% cash.\n\nChannel 0: Mhmm.\n\nChannel 1: Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number. Section step six, which is page four, I've crossed out. I have ceased an employment arrangement since turning age of 60. Is that correct?\n\nChannel 0: Yeah. That's fine.\n\nChannel 1: Okay. Step seven actually says disability attestation.\n\nChannel 0: Mhmm.\n\nChannel 1: We don't need to worry about that. It says complete for disability withdrawals only.\n\nChannel 0: Yeah. So she does have TBD, so we should probably tick that box as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: I declare that my in my current incapacity, I've ceased gainful employment and have met the gainful employment. Yes. She's not working. I mean, she's still getting\n\nChannel 1: Okay.\n\nChannel 0: contributions from workers' compensation, but she's not actually working, and she's\n\nChannel 1: Okay.\n\nChannel 0: never gonna get back to work.\n\nChannel 1: Okay. Now Presbyterian Ladies College, I went through. That was the last time she got money was from Presbyterian\n\nChannel 0: Yep.\n\nChannel 1: Ladies College, so I've popped that\n\nChannel 0: Yep.\n\nChannel 1: in there. Now am I am I right to tick no? I used to working for this lawyer. No.\n\nChannel 0: Sorry. The rest is also sending me messages.\n\nChannel 1: Mhmm.\n\nChannel 0: We had that one now.\n\nChannel 1: That's skip eight.\n\nChannel 0: Step eight. Step eight.\n\nChannel 1: I'm\n\nChannel 0: Here we\n\nChannel 1: so\n\nChannel 0: go.\n\nChannel 1: glad that you're\n\nChannel 0: Employer.\n\nChannel 1: pausing over these as\n\nChannel 0: Are\n\nChannel 1: well\n\nChannel 0: you\n\nChannel 1: because\n\nChannel 0: still\n\nChannel 1: I, you know, was not sure.\n\nChannel 0: are you still working for this employer? This question, I think we should ask Larissa because technically technically, she's not working.\n\nChannel 1: But if she's is she receiving any benefit from them?\n\nChannel 0: She's not well, technically, not. She's receiving workers' compensation payments.\n\nChannel 1: Okay.\n\nChannel 0: So we should probably just find out the last date that she physically worked,\n\nChannel 1: Yep.\n\nChannel 0: if she remembers it.\n\nChannel 1: Yep. Okay. And do I still need to ask Larissa if she's receiving workers' comp payment workers' comp payments from work from the actual fund. You know what I mean? Whether we would need to put in yes or no.\n\nTheoretically\n\nChannel 0: Yeah.\n\nChannel 1: speaking, she's not turning up to go to work. However, the time I wonder what it says under the disability attestation to clear that due to my permanent capacity, I have see stable employment, and I have not sought stable employment, which I am reasonably qualified having regard to my education experience and training. I'm unlikely I ever to engage in gainful employment, which I recently qualified. I have regards to my education experience. I have not sought to complete any additional education experience to train to which I could be gainfully employed.\n\nIf my total benefit was approved for release due to having met the permanent incapacity. If you are unable to make the above attestation, your benefit will be paid with this. Okay. So that's yep. So this has got nothing.\n\nYeah. That's a hard one, isn't\n\nChannel 0: Yeah.\n\nChannel 1: it? Because she she physically is not working for them. However, she's\n\nChannel 0: Mhmm.\n\nChannel 1: paid by workers' comp as a result\n\nChannel 0: Correct.\n\nChannel 1: of an injury incurred on the job with Presbyterian\n\nChannel 0: Is\n\nChannel 1: Ladies College.\n\nChannel 0: is Larissa there? Can she answer that question for us?\n\nChannel 1: Just bear with me for a moment, and I will see if Larissa has her ears open to hear me.\n\nChannel 0: Cool.\n\nChannel 1: Yes. She does.\n\nChannel 0: Oh, good. Because I don't know how to fill this form. I hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware. And I was like, oh, we'll give\n\nChannel 1: Okay.\n\nChannel 0: it\n\nChannel 1: Yep. No worries. So I've got Larissa with\n\nChannel 0: a go.\n\nChannel 1: me. So this\n\nChannel 0: Cool.\n\nChannel 1: lady here, she's on just she she's gotten a TPD payment. So yeah. It's Dana. Yeah. Yeah.\n\nOh, lord. I wouldn't be telling anybody else all of this. So, basically, we've gone through all of this other stuff. However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College. However, workers' compensation is still being paid to her.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: she's getting SCC.\n\nChannel 1: and she's got an SGC. So yes. K. Yes.\n\nChannel 0: What are we ticking that box?\n\nChannel 1: Wait. She she went to say yes, and then she went and did a dance.\n\nChannel 0: Yeah. That's what I'm doing. Because I'm like, she's technically not gainfully employed, but she's still\n\nChannel 1: Yes.\n\nChannel 0: getting\n\nChannel 1: Okay.\n\nChannel 0: the workers' compensation.\n\nChannel 1: Yes. So, ladies, I'll just read I'll just tell, Larissa what you said and what\n\nChannel 0: Yeah.\n\nChannel 1: you Larissa said to you. So Larissa said, no. She's still not working. And\n\nChannel 0: Perfect.\n\nChannel 1: so do we get the final date from her? Or Yes. You get the final date. Okay. Just bear with me for a second to confirm something else.\n\nThat's her declaration. I've saved this because we quite often this\n\nChannel 0: Need it again?\n\nChannel 1: we're super pain in the ass. Yeah. Well, they won't give anything out. They're\n\nChannel 0: No.\n\nChannel 1: bloody dickheads.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. We've\n\nChannel 0: That's\n\nChannel 1: gone\n\nChannel 0: why\n\nChannel 1: there.\n\nChannel 0: I got a really good person last night, and when I was on the insurance stuff with him, I was asking him such sweet questions\n\nChannel 1: Have\n\nChannel 0: and being\n\nChannel 1: you considered\n\nChannel 0: so sweet.\n\nChannel 1: possibly looking at getting the client Hang on. She was talking. She couldn't hear you. Say it again? Have you considered getting the client to do a work cover\n\nChannel 0: Lump sum payer? Yes. I asked her\n\nChannel 1: to\n\nChannel 0: if\n\nChannel 1: Yes.\n\nChannel 0: that she's spoken to the lawyers\n\nChannel 1: Diana?\n\nChannel 0: about that, and she\n\nChannel 1: Diana?\n\nChannel 0: said that\n\nChannel 1: Diana?\n\nChannel 0: she has. Sorry? What? What?\n\nChannel 1: Alright. Hit me.\n\nChannel 0: Hey. Yes. So I did talk to her about that. She said that she has spoken to them, that they're paying her the regular weekly amount until she turns age 67. She was apparently told that she had to take up a claim or sue them to get the payout figure and that she wasn't willing to do that because this is all under mental health, and she's got major chronic anxiety and stuff.\n\nAnd she's happy if they just pay her each week until the age of 67.\n\nChannel 1: Fair enough. Have they\n\nChannel 0: Yeah.\n\nChannel 1: confirmed? And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because\n\nChannel 0: Yeah.\n\nChannel 1: if they\n\nChannel 0: She's she said that it's not changing. She said she had to get the pay for the first twelve months before she got to SGC, and she said at this rate, it's continuing as it is until age 67 that she's aware of.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And she said that's confirmed that. But she's\n\nChannel 1: She's probably\n\nChannel 0: also\n\nChannel 1: not\n\nChannel 0: got\n\nChannel 1: gonna\n\nChannel 0: a\n\nChannel 1: get\n\nChannel 0: family.\n\nChannel 1: IP.\n\nChannel 0: No. Well, she's also probably she also got a family trust that pays her $12,000 a year.\n\nChannel 1: Well, she's probably not gonna get IP, but if she has TPD, she could probably go down the TPD route.\n\nChannel 0: Well, she's got TBD. She's had it paid out. So\n\nChannel 1: Oh,\n\nChannel 0: the TBD\n\nChannel 1: cool.\n\nChannel 0: has\n\nChannel 1: That's\n\nChannel 0: been\n\nChannel 1: this\n\nChannel 0: done.\n\nChannel 1: lady. Mhmm.\n\nChannel 0: I just yeah. I called Aware last night, and I got to the insurance team. And I was like, I'm just wanting to find out about, like, has she\n\nChannel 1: Yep.\n\nChannel 0: had income\n\nChannel 1: The TPA\n\nChannel 0: protection? What's happened?\n\nChannel 1: with any of these providers, what you have to do is you actually have to provide you have to have so with with a industry fund or, you know,\n\nChannel 0: Yeah.\n\nChannel 1: You have to provide the TPA for any\n\nChannel 0: Yep.\n\nChannel 1: claim to the fund. You have\n\nChannel 0: Yep.\n\nChannel 1: to also ask for it to be\n\nChannel 0: Yep.\n\nChannel 1: applied to the fund's claims department because it's completely separate to the fund. So aware aware claims, and then you also have to get them to send it on to TAO or whoever\n\nChannel 0: Yes.\n\nChannel 1: their insurer is as well. So one claim is three fucking separate TPAs. Obviously,\n\nChannel 0: Yeah.\n\nChannel 1: same TPA document, but you have to ask for\n\nChannel 0: Yeah.\n\nChannel 1: it to be applied with each of the departments. It's bullshit. But\n\nChannel 0: Yeah.\n\nChannel 1: anyway especially\n\nChannel 0: I\n\nChannel 1: the,\n\nChannel 0: know.\n\nChannel 1: like, the aware claims department. I get how how is a separate entity,\n\nChannel 0: Yeah.\n\nChannel 1: but at least\n\nChannel 0: Yeah.\n\nChannel 1: the aware claims department is just bullshit. Anyway,\n\nChannel 0: Absolutely. But, no, he was really lovely. Like, he I just used the same TPA, and I got through the insurance team.\n\nChannel 1: Yeah.\n\nChannel 0: And he had a look, and he said he could see that there was a claim. He gave me information. He said there was a claim for IP submitted on the in March, and it was sent through to TAO claims on the March 30. They haven't heard anything\n\nChannel 1: Yeah.\n\nChannel 0: back. And she told me that the solicitors sent that off with the TBD stuff, but she was under the impression that it had been stopped because she wasn't eligible. And I was like, look. If you're getting 80% workers' compensation, they're not gonna pay income protection because it's over the 70% threshold. But\n\nChannel 1: Is the\n\nChannel 0: I\n\nChannel 1: aware\n\nChannel 0: think\n\nChannel 1: bracket\n\nChannel 0: it's worth\n\nChannel 1: 70\n\nChannel 0: looking.\n\nChannel 1: percent? Is\n\nChannel 0: Sorry?\n\nChannel 1: the aware bracket? Is aware 70%, and is her\n\nChannel 0: Yeah.\n\nChannel 1: policy\n\nChannel 0: It is.\n\nChannel 1: 70%?\n\nChannel 0: It\n\nChannel 1: Alright.\n\nChannel 0: is.\n\nChannel 1: There\n\nChannel 0: Yeah.\n\nChannel 1: you go.\n\nChannel 0: Their\n\nChannel 1: Cool.\n\nChannel 0: their policy is 70%, but she doesn't know what happened with the income protection claims. So I was like, well, let me put a TPA on file with Tal and see if we can get the information on where it is, what they've done, what's happening with it, how's it been stopped, did they get it, and see what they kind of say. Because it also comes down to what TOW assess it as, and it could be different\n\nChannel 1: Yes.\n\nChannel 0: to what TOW to Aware TOW us. So, I kind of was like and they gave us the number. I gave it to Michelle to call Tal to see. He couldn't give me the claim number that was outside of the TPA requirements.\n\nChannel 1: Yes.\n\nChannel 0: But I've got if we call Tal, I've got the number for Tal claims, and I get Michelle to just give them her information and find out what form we can get her to sign, then we can get her to sign a TPA, have it applied, and then we can do that research for her. Because it looks like I could be able to\n\nChannel 1: Yeah.\n\nChannel 0: consolidate. Like, I don't think she's gonna get the income protection claim, but at least we're doing her due diligence. And then we can probably look to consolidate her to hub twenty four from Aware.\n\nChannel 1: I mean,\n\nChannel 0: She does\n\nChannel 1: realistically,\n\nChannel 0: need this money\n\nChannel 1: you\n\nChannel 0: now.\n\nChannel 1: can also\n\nChannel 0: So\n\nChannel 1: you can also ask aware, hey. There's a claim that's being submitted. If the claim is open and pending for the condition that was diagnosed here and the account becomes closed, is the claim still valid? And the answer's gonna be yes. I can tell you now the answer's gonna be\n\nChannel 0: Yeah.\n\nChannel 1: yes because irrespective, even if we closed the account today, it's\n\nChannel 0: Yeah.\n\nChannel 1: for predating. It's for a preexisting condition.\n\nChannel 0: Pre\n\nChannel 1: So\n\nChannel 0: preexisting\n\nChannel 1: just\n\nChannel 0: thing. Yeah.\n\nChannel 1: you can close the account.\n\nChannel 0: Yeah.\n\nChannel 1: You can one\n\nChannel 0: Okay.\n\nChannel 1: 100%\n\nChannel 0: Cool.\n\nChannel 1: close the account.\n\nChannel 0: Okay. Perfect. Cool. But, yeah, she needed that money kind of now to pay put on her mortgage because she's a bit stressed with how much she owes. She only wanted, like, 40,000 to put on the mortgage and give her a bit of a buffer, and she's gotta pay the solicitors now.\n\nAnd I said, well, let's do that now with a transaction without advice. That way, you get the funds. You can do that now. And she was happy with that because, otherwise, it could take yeah, a bit of time. And the money's\n\nChannel 1: Oh, wow.\n\nChannel 0: sitting in cash, you know, where anyway. So yeah. And she was happy with that. She was like, yeah. That'll get the solicitor off her back.\n\nThat'll put some money on her mortgage to give her a bit of a buffer and reduce the interest\n\nChannel 1: Yeah.\n\nChannel 0: she's paying. And then I was like, I'll go back and do the rest of the research for you. We'll provide the advice and update everything else. And she was like, yeah. Absolutely perfect.\n\nSo\n\nChannel 1: I love. Alright. Well, I'll leave\n\nChannel 0: oh,\n\nChannel 1: it with you,\n\nChannel 0: good.\n\nChannel 1: and I'm gonna go back to my spreadsheet.\n\nChannel 0: Oh, thank you. I just wasn't sure with that form. I was like, oh, I think I need Larissa to help help us with that one question because that's one I've never had to answer before.\n\nChannel 1: Yeah. No. She's not gainfully employed. She's she's literally receiving compensation payments. So No.\n\nChannel 0: Okay.\n\nChannel 1: She's good.\n\nChannel 0: Perfect.\n\nChannel 1: Alright.\n\nChannel 0: Perfect.\n\nChannel 1: Much love.\n\nChannel 0: Alright.\n\nChannel 1: Bye\n\nChannel 0: Perfect.\n\nChannel 1: bye.\n\nChannel 0: So I'll get the research done to close off Aware and consolidate everything over it. There's no issues with\n\nChannel 1: Oh,\n\nChannel 0: workers' compensation\n\nChannel 1: it's\n\nChannel 0: moving SGC.\n\nChannel 1: that it's me. Larissa gave me the headset,\n\nChannel 0: Oh,\n\nChannel 1: and she's gone.\n\nChannel 0: okay. That's all\n\nChannel 1: Did did\n\nChannel 0: good.\n\nChannel 1: you wanna ask her that? Or\n\nChannel 0: No. That's okay. I'll follow-up with her next week. We'll just get this stuff done for Kate, and I can always come back\n\nChannel 1: okay.\n\nChannel 0: and chat to her afterwards. Yeah.\n\nChannel 1: Alright. Great. Now I've gone back to the ID because\n\nChannel 0: Yep.\n\nChannel 1: there was something that didn't feel right.\n\nChannel 0: Yep.\n\nChannel 1: And it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months.\n\nChannel 0: So we have to\n\nChannel 1: So\n\nChannel 0: re certify it.\n\nChannel 1: yeah, or we can send a copy of her driver's license and medicare card. Let me just see here. Let me read this again.\n\nChannel 0: I mean, we could just re rapid ID her and get Savvy to recertify it.\n\nChannel 1: Sabi's not in.\n\nChannel 0: Oh, it's\n\nChannel 1: Okay.\n\nChannel 0: get this\n\nChannel 1: Tell\n\nChannel 0: rapid\n\nChannel 1: me on\n\nChannel 0: ID,\n\nChannel 1: the\n\nChannel 0: get Larissa to recertify it. Yeah. We just gotta\n\nChannel 1: Okay.\n\nChannel 0: rapid ID it again to make sure that way that we can certify it within\n\nChannel 1: Yep.\n\nChannel 0: the thirty days. Or was\n\nChannel 1: Okay.\n\nChannel 0: because when was it certified? When was the last one certified?\n\nChannel 1: It was the 04/10/2024. Let me just open it up. I know it was\n\nChannel 0: Yeah.\n\nChannel 1: 2024, definitely. So that's what I was a bit concerned. I thought\n\nChannel 0: Yeah.\n\nChannel 1: that it just didn't sound right with it being almost two years old.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: Just double check with Larissa what she wants to do. But, realistically, if it if the license is still not expired, if it's still a valid license, we could just run the rapid ID again to reverify\n\nChannel 1: yep.\n\nChannel 0: it\n\nChannel 1: Yep.\n\nChannel 0: and then get that recertified. I don't see an issue, but double check with Larissa to make sure that's that's\n\nChannel 1: Yep.\n\nChannel 0: okay, yeah, with\n\nChannel 1: Yep.\n\nChannel 0: what she's\n\nChannel 1: Yep.\n\nChannel 0: comfortable\n\nChannel 1: Yep.\n\nChannel 0: with. Yeah.\n\nChannel 1: Yeah. And and the ID, I think when I had a look at it let me just go back for a second. That's all over the place here.\n\nChannel 0: Yeah.\n\nChannel 1: K. Photo ID. Front. It's a date on it. Okay.\n\nThat's that one.\n\nChannel 0: Oh, that one was expired in 2022, the one I'm looking at there. Let's have a look at this\n\nChannel 1: Yeah.\n\nChannel 0: one. It is expire. Oh, this one here is 2032 expiry.\n\nChannel 1: Okay. Yeah. I thought we had a an older one. Yeah. I've got that in front of me now.\n\nSo, look, what I'll do is I will go through I'll edit that. I'll get make sure Larissa is happy to do it.\n\nChannel 0: Yeah.\n\nChannel 1: And then what I'll do is I will get run that through. Because I think they did that recently. Is it her? Must be somebody else. Anyhow, I'll get that sorted so\n\nChannel 0: Yep.\n\nChannel 1: that we won't have to worry about that. I'm glad to mention that because I didn't think\n\nChannel 0: Yeah.\n\nChannel 1: with all the other things. So, you know, awesome.\n\nChannel 0: That's\n\nChannel 1: Alrighty.\n\nChannel 0: so good. You're doing a great job.\n\nChannel 1: Thanks. Thank you. Alrighty. I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he?\n\nChannel 0: It is. Yeah. And, like, moving forward as, like, we get to do a lot more stuff, you'll find that things take a little bit more\n\nChannel 1: Yep.\n\nChannel 0: time like this. But you'll get faster the more you do them as well. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Yep. Yep. Awesome.\n\nChannel 0: All\n\nChannel 1: Alright.\n\nChannel 0: good.\n\nChannel 1: Okay. I'll continue on.\n\nChannel 0: No worries.\n\nChannel 1: And with how now let me\n\nChannel 0: Yes.\n\nChannel 1: just go back because I overheard you and Larissa speaking about how so I'm just gonna try and open up my my bloody screen again.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So let's go here. Some action items. Full Telstra ID claims. Was not able to provide the claim number, but if we provide details of client, they should be able to search.\n\nOkay. So\n\nChannel 0: If not, I can call back Aware and see if they can give us the claim number. I just the guy couldn't give it to me last night, so I could always try and find the claim number for the IP claim. Or even when we call Kate, she might even have it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. We'll try that first. Let\n\nChannel 0: Yeah.\n\nChannel 1: me check correspondence, though, because I've got a feeling there's a claim number in here.\n\nChannel 0: Okay.\n\nChannel 1: I'm positive I saw something. MLC.\n\nChannel 0: It'll be for an income protection claim.\n\nChannel 1: Yep. Where let's go in here. TPD. I'm just gonna have a look and see if it's got anything on here. Okay.\n\nSo that's a t so is the permanent is the TPD completely separate to the IP?\n\nChannel 0: Yes. Yeah. They have two separate claims departments\n\nChannel 1: Okay.\n\nChannel 0: that handle those things. Yep.\n\nChannel 1: Okay. Because I remember looking at these and seeing Tel somewhere. Alright. Leave it with me. I'll look through it, and I'll let you know if I find it.\n\nOkay?\n\nChannel 0: I wonder if it's in the email she sent us the other day because she sent us a whole bunch\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: But\n\nChannel 0: documents.\n\nChannel 1: and that's the thing. I'm looking through those attachments now.\n\nChannel 0: TPD claim with aware. Okay. So that's the TPD claim.\n\nChannel 1: Yeah.\n\nChannel 0: So you send a letter then no. It's not on here. Lawyers.\n\nChannel 1: I'm positive I've seen something with how on it that was that looked out of place. Margalit. Let's have a look at that. That's the sender.\n\nChannel 0: That's a boy. Yes.\n\nChannel 1: Okay. K. I'm positive I saw tell somewhere. Let's see\n\nChannel 0: Disability\n\nChannel 1: what this brings up.\n\nChannel 0: benefit.\n\nChannel 1: K. Not there. K. Let's go to here. K.\n\nChannel 0: We might have to call Aware and see if they can give us that claim\n\nChannel 1: Yep.\n\nChannel 0: number.\n\nChannel 1: No worries. Alright.\n\nChannel 0: They should be okay to give us some sort of information. The guy couldn't last night, but he also had trouble with his screen. So\n\nChannel 1: Yep.\n\nChannel 0: worst case, I can always give him a call later this afternoon and see if I can somehow get it out of them.\n\nChannel 1: Yep. Yep. Alright. Okay. I'll let you know if I find anything, and I'll ask Aware.\n\nSorry. I'll call Aware again and see if I can get the claim number for the IP.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: All good.\n\nChannel 1: Okay.\n\nChannel 0: Thank\n\nChannel 1: Thank\n\nChannel 0: you.\n\nChannel 1: you, Dana.\n\nChannel 0: No\n\nChannel 1: You\n\nChannel 0: worries\n\nChannel 1: enjoy\n\nChannel 0: at\n\nChannel 1: your\n\nChannel 0: all.\n\nChannel 1: lunch.\n\nChannel 0: I will.\n\nChannel 1: Okay,\n\nChannel 0: I'm\n\nChannel 1: doll.\n\nChannel 0: gonna\n\nChannel 1: Okay.\n\nChannel 0: call Amelia shortly and do her AR. But yeah. Well, if you need me, call me anytime.\n\nChannel 1: Oh, okay, doll. Thank you so much.\n\nChannel 0: See\n\nChannel 1: Okay.\n\nChannel 0: you.\n\nChannel 1: Bye bye. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hey, Michelle.","start":0.71999997,"end":1.54,"sentiment":"neutral","sentiment_score":0.04831875115633011}],"sentiment":"neutral","sentiment_score":0.04831875115633011,"channel":0,"num_words":2,"start":0.71999997,"end":1.54},{"sentences":[{"text":"Hello.","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.04315398633480072},{"text":"I just realized it's your 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until after lunch.","start":8.4,"end":9.94,"sentiment":"neutral","sentiment_score":0.007353172171860933}],"sentiment":"neutral","sentiment_score":0.007353172171860933,"channel":1,"num_words":4,"start":8.4,"end":9.94},{"sentences":[{"text":"I'm I'm just I'm just replying now.","start":10.0,"end":12.0,"sentiment":"neutral","sentiment_score":0.17694715516907827},{"text":"It's all good.","start":12.0,"end":12.98,"sentiment":"positive","sentiment_score":0.6531846523284912},{"text":"With the everything's fine.","start":14.155,"end":16.415,"sentiment":"positive","sentiment_score":0.40162935107946396},{"text":"With the choice of payment order, so the how we're gonna withdraw the funds, is that just the","start":16.635,"end":22.715,"sentiment":"neutral","sentiment_score":0.09738396522071627}],"sentiment":"neutral","sentiment_score":0.20492540067061782,"channel":0,"num_words":32,"start":10.0,"end":22.715},{"sentences":[{"text":"Yep.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":0.030822893604636192}],"sentiment":"neutral","sentiment_score":0.030822893604636192,"channel":1,"num_words":1,"start":22.654999,"end":23.154999},{"sentences":[{"text":"because I can't find, like, the asset allocation.","start":22.795,"end":25.055,"sentiment":"neutral","sentiment_score":-0.08878912590444088},{"text":"Is that just her current asset allocation in Aware, like, pro","start":25.195,"end":29.55,"sentiment":"neutral","sentiment_score":-0.03426944227381186}],"sentiment":"neutral","sentiment_score":-0.057225098539339866,"channel":0,"num_words":19,"start":22.795,"end":29.55},{"sentences":[{"text":"It","start":29.39,"end":29.630001,"sentiment":"neutral","sentiment_score":-0.0226063821464777}],"sentiment":"neutral","sentiment_score":-0.0226063821464777,"channel":1,"num_words":1,"start":29.39,"end":29.630001},{"sentences":[{"text":"rata?","start":29.55,"end":30.05,"sentiment":"neutral","sentiment_score":-0.02534758299589157}],"sentiment":"neutral","sentiment_score":-0.02534758299589157,"channel":0,"num_words":1,"start":29.55,"end":30.05},{"sentences":[{"text":"is.","start":29.630001,"end":30.130001,"sentiment":"neutral","sentiment_score":-0.01029383298009634}],"sentiment":"neutral","sentiment_score":-0.01029383298009634,"channel":1,"num_words":1,"start":29.630001,"end":30.130001},{"sentences":[{"text":"Yep.","start":30.43,"end":30.93,"sentiment":"neutral","sentiment_score":0.0862332433462143}],"sentiment":"neutral","sentiment_score":0.0862332433462143,"channel":0,"num_words":1,"start":30.43,"end":30.93},{"sentences":[{"text":"That","start":30.91,"end":31.39,"sentiment":"neutral","sentiment_score":0.22463223338127136}],"sentiment":"neutral","sentiment_score":0.22463223338127136,"channel":1,"num_words":1,"start":30.91,"end":31.39},{"sentences":[{"text":"Perfect.","start":31.07,"end":31.57,"sentiment":"positive","sentiment_score":0.40933331847190857}],"sentiment":"positive","sentiment_score":0.40933331847190857,"channel":0,"num_words":1,"start":31.07,"end":31.57},{"sentences":[{"text":"that is that is her asset allocation.","start":31.39,"end":34.370003,"sentiment":"neutral","sentiment_score":0.29438636132649015},{"text":"So I've","start":34.67,"end":35.31,"sentiment":"neutral","sentiment_score":0.08443407714366913}],"sentiment":"neutral","sentiment_score":0.24773029817475212,"channel":1,"num_words":9,"start":31.39,"end":35.31},{"sentences":[{"text":"Yep.","start":35.23,"end":35.73,"sentiment":"neutral","sentiment_score":0.060151197016239166}],"sentiment":"neutral","sentiment_score":0.060151197016239166,"channel":0,"num_words":1,"start":35.23,"end":35.73},{"sentences":[{"text":"been doing a little bit of corrective searching myself","start":35.31,"end":38.185,"sentiment":"neutral","sentiment_score":0.05162564002805286}],"sentiment":"neutral","sentiment_score":0.05162564002805286,"channel":1,"num_words":9,"start":35.31,"end":38.185},{"sentences":[{"text":"Yes.","start":38.67,"end":39.17,"sentiment":"neutral","sentiment_score":0.030394695699214935}],"sentiment":"neutral","sentiment_score":0.030394695699214935,"channel":0,"num_words":1,"start":38.67,"end":39.17},{"sentences":[{"text":"and was not sure whether the conservative balance would be the index and whether the balance would be indexed.","start":39.685,"end":48.405,"sentiment":"neutral","sentiment_score":-0.010312049306536975},{"text":"So I chose the index ones, but","start":48.405,"end":51.065002,"sentiment":"neutral","sentiment_score":0.012955983701561178}],"sentiment":"neutral","sentiment_score":-0.0040475788812797805,"channel":1,"num_words":26,"start":39.685,"end":51.065002},{"sentences":[{"text":"Yeah.","start":51.005,"end":51.505,"sentiment":"neutral","sentiment_score":0.02516474388539791}],"sentiment":"neutral","sentiment_score":0.02516474388539791,"channel":0,"num_words":1,"start":51.005,"end":51.505},{"sentences":[{"text":"and I put the 34% in the conservative balance because I figured that would be a much more well,","start":52.11,"end":60.99,"sentiment":"neutral","sentiment_score":0.0614331386199123}],"sentiment":"neutral","sentiment_score":0.0614331386199123,"channel":1,"num_words":19,"start":52.11,"end":60.99},{"sentences":[{"text":"Yeah.","start":60.78,"end":61.28,"sentiment":"neutral","sentiment_score":0.005146082490682602}],"sentiment":"neutral","sentiment_score":0.005146082490682602,"channel":0,"num_words":1,"start":60.78,"end":61.28},{"sentences":[{"text":"there wouldn't be as much coming out of that as, for example, a balanced index would give.","start":60.99,"end":65.31,"sentiment":"neutral","sentiment_score":-0.042211534345851225},{"text":"Is that right?","start":65.31,"end":66.21,"sentiment":"neutral","sentiment_score":0.005874708915750186}],"sentiment":"neutral","sentiment_score":-0.03499859785661101,"channel":1,"num_words":20,"start":60.99,"end":66.21},{"sentences":[{"text":"Yeah.","start":66.415,"end":66.915,"sentiment":"neutral","sentiment_score":-0.006713308393955231}],"sentiment":"neutral","sentiment_score":-0.006713308393955231,"channel":0,"num_words":1,"start":66.415,"end":66.915},{"sentences":[{"text":"It's more","start":66.685005,"end":67.325005,"sentiment":"neutral","sentiment_score":-0.011601326055824757}],"sentiment":"neutral","sentiment_score":-0.011601326055824757,"channel":1,"num_words":2,"start":66.685005,"end":67.325005},{"sentences":[{"text":"Should","start":67.134995,"end":67.455,"sentiment":"neutral","sentiment_score":-0.005070202052593231}],"sentiment":"neutral","sentiment_score":-0.005070202052593231,"channel":0,"num_words":1,"start":67.134995,"end":67.455},{"sentences":[{"text":"conservative.","start":67.325005,"end":67.825005,"sentiment":"neutral","sentiment_score":-0.0007371734827756882}],"sentiment":"neutral","sentiment_score":-0.0007371734827756882,"channel":1,"num_words":1,"start":67.325005,"end":67.825005},{"sentences":[{"text":"be fine.","start":67.455,"end":68.275,"sentiment":"neutral","sentiment_score":-0.00373117346316576},{"text":"Do they and they used to have a button they used to have a box on here that said pro rata.","start":69.695,"end":74.115,"sentiment":"neutral","sentiment_score":-0.024496563045041903},{"text":"Do they not","start":74.255,"end":74.895,"sentiment":"neutral","sentiment_score":-0.03873318309585253}],"sentiment":"neutral","sentiment_score":-0.02454191231383727,"channel":0,"num_words":26,"start":67.455,"end":74.895},{"sentences":[{"text":"Yep.","start":74.845,"end":75.345,"sentiment":"neutral","sentiment_score":-0.0315716527402401}],"sentiment":"neutral","sentiment_score":-0.0315716527402401,"channel":1,"num_words":1,"start":74.845,"end":75.345},{"sentences":[{"text":"have that box there anymore?","start":74.895,"end":76.195,"sentiment":"neutral","sentiment_score":-0.048899716883897784}],"sentiment":"neutral","sentiment_score":-0.048899716883897784,"channel":0,"num_words":5,"start":74.895,"end":76.195},{"sentences":[{"text":"No.","start":76.765,"end":77.165,"sentiment":"neutral","sentiment_score":-0.12216324359178544},{"text":"I've only got what's 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fine.","start":79.71,"end":80.53,"sentiment":"neutral","sentiment_score":-0.016279026865959167}],"sentiment":"neutral","sentiment_score":-0.016279026865959167,"channel":0,"num_words":2,"start":79.71,"end":80.53},{"sentences":[{"text":"yeah.","start":80.880005,"end":81.28001,"sentiment":"neutral","sentiment_score":-0.02011379972100258},{"text":"So that's where it says you you've actually gotta do one or the other.","start":81.28001,"end":85.14001,"sentiment":"neutral","sentiment_score":-0.036238358089966435}],"sentiment":"neutral","sentiment_score":-0.03516338753203551,"channel":1,"num_words":15,"start":80.880005,"end":85.14001},{"sentences":[{"text":"Yeah.","start":85.63,"end":85.95,"sentiment":"neutral","sentiment_score":-0.01238609291613102},{"text":"Okay.","start":85.95,"end":86.43,"sentiment":"neutral","sentiment_score":-0.01759849302470684},{"text":"No.","start":86.43,"end":86.59,"sentiment":"neutral","sentiment_score":-0.054701946675777435},{"text":"That's alright.","start":86.59,"end":87.409996,"sentiment":"neutral","sentiment_score":-0.025084996595978737}],"sentiment":"neutral","sentiment_score":-0.026971305161714552,"channel":0,"num_words":5,"start":85.63,"end":87.409996},{"sentences":[{"text":"And, yeah, did I pop a screenshot of what her a lot her what her actual statement said.","start":86.96001,"end":94.345,"sentiment":"neutral","sentiment_score":-0.014474458992481232},{"text":"Did I pop that in Teams or not?","start":94.345,"end":96.285,"sentiment":"neutral","sentiment_score":-0.01458939304575324}],"sentiment":"neutral","sentiment_score":-0.014509823316564927,"channel":1,"num_words":26,"start":86.96001,"end":96.285},{"sentences":[{"text":"Oh, is this is","start":97.035,"end":98.555,"sentiment":"neutral","sentiment_score":-0.013642961857840419}],"sentiment":"neutral","sentiment_score":-0.013642961857840419,"channel":0,"num_words":4,"start":97.035,"end":98.555},{"sentences":[{"text":"Oh,","start":98.345,"end":98.745,"sentiment":"neutral","sentiment_score":-0.013889608904719353}],"sentiment":"neutral","sentiment_score":-0.013889608904719353,"channel":1,"num_words":1,"start":98.345,"end":98.745},{"sentences":[{"text":"the bottom?","start":98.555,"end":99.195,"sentiment":"neutral","sentiment_score":-0.014552620705217123}],"sentiment":"neutral","sentiment_score":-0.014552620705217123,"channel":0,"num_words":2,"start":98.555,"end":99.195},{"sentences":[{"text":"I didn't.","start":98.745,"end":99.405,"sentiment":"neutral","sentiment_score":-0.04970505088567734}],"sentiment":"neutral","sentiment_score":-0.04970505088567734,"channel":1,"num_words":2,"start":98.745,"end":99.405},{"sentences":[{"text":"I 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Amelia shortly and do her AR.","start":1684.2528,"end":1686.0128,"sentiment":"neutral","sentiment_score":0.10098645729678017},{"text":"But yeah.","start":1686.0128,"end":1686.4128,"sentiment":"neutral","sentiment_score":0.10280439257621765},{"text":"Well, if you need me, call me anytime.","start":1686.4128,"end":1688.3529,"sentiment":"neutral","sentiment_score":0.1527435053139925}],"sentiment":"neutral","sentiment_score":0.1255565899259904,"channel":0,"num_words":17,"start":1684.2528,"end":1688.3529},{"sentences":[{"text":"Oh, okay, doll.","start":1688.64,"end":1689.6,"sentiment":"neutral","sentiment_score":0.2951701084772746},{"text":"Thank you so much.","start":1689.6,"end":1690.66,"sentiment":"positive","sentiment_score":0.7527599483728409}],"sentiment":"positive","sentiment_score":0.5566500169890267,"channel":1,"num_words":7,"start":1688.64,"end":1690.66},{"sentences":[{"text":"See","start":1690.7329,"end":1691.2329,"sentiment":"positive","sentiment_score":0.33674126863479614}],"sentiment":"positive","sentiment_score":0.33674126863479614,"channel":0,"num_words":1,"start":1690.7329,"end":1691.2329},{"sentences":[{"text":"Okay.","start":1691.4401,"end":1691.84,"sentiment":"positive","sentiment_score":0.34586212038993835}],"sentiment":"positive","sentiment_score":0.34586212038993835,"channel":1,"num_words":1,"start":1691.4401,"end":1691.84},{"sentences":[{"text":"you.","start":1691.6128,"end":1692.1128,"sentiment":"neutral","sentiment_score":0.33153417706489563}],"sentiment":"neutral","sentiment_score":0.33153417706489563,"channel":0,"num_words":1,"start":1691.6128,"end":1692.1128},{"sentences":[{"text":"Bye bye.","start":1691.84,"end":1692.58,"sentiment":"neutral","sentiment_score":0.1752983257174492},{"text":"Bye.","start":1692.72,"end":1693.22,"sentiment":"neutral","sentiment_score":0.1311512291431427}],"sentiment":"neutral","sentiment_score":0.16058262685934702,"channel":1,"num_words":3,"start":1691.84,"end":1693.22},{"sentences":[{"text":"Bye.","start":1692.8129,"end":1693.3129,"sentiment":"neutral","sentiment_score":0.11198276281356812}],"sentiment":"neutral","sentiment_score":0.11198276281356812,"channel":0,"num_words":1,"start":1692.8129,"end":1693.3129},{"sentences":[{"text":"Bye.","start":1693.76,"end":1694.26,"sentiment":"neutral","sentiment_score":-0.11630330979824066}],"sentiment":"neutral","sentiment_score":-0.11630330979824066,"channel":1,"num_words":1,"start":1693.76,"end":1694.26}]},"summary":{"result":"success","short":"The agent discusses the customer's investment account and balance, advising changing it to conservative and providing banking information. The customer must confirm their ID verification and withdraws money from their cash account. The speaker provides instructions for withdrawing money and discusses a disability attestation and employment history. The process of consolidating accounts and closing them is discussed, including updating information and updating the account with a representative. The customer's insurance policy is pending and they plan to follow up with the client to ensure correct information."},"intents":{"segments":[{"text":"With the choice of payment order, so the how we're gonna withdraw the funds, is that just the Yep. because I can't find, like, the asset allocation. Is that just her current asset allocation in Aware, like, pro It rata? is. Yep.","start_word":36,"end_word":77,"intents":[{"intent":"Calculate yep's asset allocation","confidence_score":0.0000100232955}]},{"text":"I just can't find the statement they sent us with with the asset allocation is on that statement.","start_word":368,"end_word":385,"intents":[{"intent":"Find statement","confidence_score":0.7930981},{"intent":"Find statement","confidence_score":0.007353547}]},{"text":"I just can't find the statement they sent us with with the asset allocation is on that statement. Yep.","start_word":368,"end_word":386,"intents":[{"intent":"Check asset allocation","confidence_score":0.087044425}]},{"text":"It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else. Yep.","start_word":460,"end_word":490,"intents":[{"intent":"Confirm investment","confidence_score":0.69518226}]},{"text":"just searched the USI because I thought Yeah. that me, and I checked that the fund was set up between those dates, 2014. Yep.","start_word":521,"end_word":544,"intents":[{"intent":"Search fund","confidence_score":0.043930497},{"intent":"Check fund","confidence_score":0.11878409}]},{"text":"I wonder if this old account summary will have something for us.","start_word":588,"end_word":599,"intents":[{"intent":"Check account summary","confidence_score":0.031212684}]},{"text":"Oh, but it looks like she changed something there. I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to Yeah.","start_word":617,"end_word":650,"intents":[{"intent":"Adjust switch","confidence_score":0.43011177}]},{"text":"So if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it. It would be it would be what the in index is, and there's really nothing else that says that. Index. Conservative balance.","start_word":655,"end_word":694,"intents":[{"intent":"Understand index information","confidence_score":0.000078449004}]},{"text":"You know what I think I would probably just do is I would change it from the balance index to the conservative Yep. balance and the balance because when I look at the rundown, Yep. Alright.","start_word":696,"end_word":731,"intents":[{"intent":"Change balance index","confidence_score":0.84922683}]},{"text":"Well, it says she has a list in cash too. We could probably just So withdraw it out of the cash, a 100% for the cash. yeah.","start_word":767,"end_word":793,"intents":[{"intent":"Obtain cash withdrawal","confidence_score":0.085020564}]},{"text":"I think I'm gonna have to confirm with her whether she's provided that previously. The only concern I have is we don't know if she's provided those banking details. Yes.","start_word":922,"end_word":951,"intents":[{"intent":"Confirm bank information","confidence_score":0.05931422}]},{"text":"So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do. Okay.","start_word":990,"end_word":1020,"intents":[{"intent":"Provide security check information","confidence_score":0.01224323}]},{"text":"It just says previously provided certified proof of identity. Oh, just the ID section.","start_word":1086,"end_word":1099,"intents":[{"intent":"Provide proof of identity","confidence_score":0.12659347}]},{"text":"Oh, just the ID section. No. That's okay. So Yes. we'll probably Step just two. if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base. Yep. Okay.","start_word":1095,"end_word":1133,"intents":[{"intent":"Provide id","confidence_score":0.0009695277}]},{"text":"it with the form so it all gets sent off together. Okay.","start_word":1179,"end_word":1190,"intents":[{"intent":"Attach form","confidence_score":0.047908377}]},{"text":"Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number.","start_word":1329,"end_word":1348,"intents":[{"intent":"Confirm payment method","confidence_score":0.078695364}]},{"text":"I have ceased an employment arrangement since turning age of 60. Is that correct? Yeah.","start_word":1359,"end_word":1373,"intents":[{"intent":"Verify age","confidence_score":0.00013738002}]},{"text":"I have not sought to complete any additional education experience to train to which I could be gainfully employed.","start_word":1730,"end_word":1748,"intents":[{"intent":"Complete additional education experience","confidence_score":0.012006657}]},{"text":"If my total benefit was approved for release due to having met the permanent incapacity. If you are unable to make the above attestation, your benefit will be paid with this. Okay.","start_word":1748,"end_word":1779,"intents":[{"intent":"Confirm benefit approval","confidence_score":0.0026774094}]},{"text":"Can she answer that question for us?","start_word":1831,"end_word":1837,"intents":[{"intent":"Answer question","confidence_score":0.65172106},{"intent":"Provide information","confidence_score":0.016397655}]},{"text":"Because I don't know how to fill this form. I hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware. And I was like, oh, we'll give Okay. it Yep.","start_word":1864,"end_word":1906,"intents":[{"intent":"Confirm form","confidence_score":0.024145827}]},{"text":"However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College. However, workers' compensation is still being paid to her. And So she's getting SCC. and she's got an SGC. So yes.","start_word":1958,"end_word":1995,"intents":[{"intent":"Confirm employment status","confidence_score":0.104970925}]},{"text":"She's still not working. And Perfect.","start_word":2066,"end_word":2071,"intents":[{"intent":"Confirm daughter's condition","confidence_score":0.00016310136},{"intent":"Confirm personal situation","confidence_score":0.00042875757},{"intent":"Confirm personal situation","confidence_score":0.0011015815}]},{"text":"so do we get the final date from her? Or Yes.","start_word":2072,"end_word":2082,"intents":[{"intent":"Confirm date","confidence_score":0.13798314}]},{"text":"I got a really good person last night, and when I was on the insurance stuff with him, I was asking him such sweet questions Have and being you considered so sweet.","start_word":2138,"end_word":2169,"intents":[{"intent":"Ask about client's behavior","confidence_score":0.00029817034}]},{"text":"possibly looking at getting the client Hang on.","start_word":2170,"end_word":2177,"intents":[{"intent":"Ask about client's interest","confidence_score":0.003439028}]},{"text":"Have you considered getting the client to do a work cover Lump sum payer? Yes.","start_word":2188,"end_word":2202,"intents":[{"intent":"Discuss client's eligibility","confidence_score":0.00086737546}]},{"text":"And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because Yeah.","start_word":2327,"end_word":2349,"intents":[{"intent":"Confirm current rates","confidence_score":0.000118807904}]},{"text":"Because it looks like I could be able to consolidate.","start_word":3011,"end_word":3020,"intents":[{"intent":"Consolidate claim","confidence_score":0.20485148}]},{"text":"you can close the account. Yeah.","start_word":3146,"end_word":3151,"intents":[{"intent":"Consolidate account","confidence_score":0.008658281}]},{"text":"I'll follow-up with her next week. We'll just get this stuff done for Kate, and I can always come back okay. and chat to her afterwards. Yeah.","start_word":3474,"end_word":3500,"intents":[{"intent":"Reschedule","confidence_score":0.00041261056}]},{"text":"Alright.","start_word":3500,"end_word":3500,"intents":[{"intent":"Communicate","confidence_score":0.008944481}]},{"text":"And it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months.","start_word":3519,"end_word":3542,"intents":[{"intent":"Provide proof of identity","confidence_score":0.079231},{"intent":"Check certification date","confidence_score":0.028480407}]},{"text":"because when was it certified? When was the last one certified?","start_word":3636,"end_word":3646,"intents":[{"intent":"Confirm certification","confidence_score":0.0720886},{"intent":"Confirm identity","confidence_score":0.07322305},{"intent":"Confirm details","confidence_score":0.0005063786}]},{"text":"Oh, that one was expired in 2022, the one I'm looking at there.","start_word":3807,"end_word":3819,"intents":[{"intent":"Confirm expiration","confidence_score":0.010888887}]},{"text":"So, look, what I'll do is I will go through I'll edit that. I'll get make sure Larissa is happy to do it. Yeah.","start_word":3856,"end_word":3879,"intents":[{"intent":"Change edit","confidence_score":0.0033013695},{"intent":"Clarify process","confidence_score":0.0018709925}]},{"text":"That's Alrighty. so good. You're doing a great job. Thanks.","start_word":3940,"end_word":3949,"intents":[{"intent":"End conversation","confidence_score":0.22523765}]},{"text":"I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he? It is. Yeah.","start_word":3953,"end_word":3980,"intents":[{"intent":"Confirm balance","confidence_score":0.0007572793}]},{"text":"Was not able to provide the claim number, but if we provide details of client, they should be able to search. Okay.","start_word":4080,"end_word":4101,"intents":[{"intent":"Provide claim number","confidence_score":0.059290044},{"intent":"Provide claim number","confidence_score":0.013333179}]},{"text":"me check correspondence, though, because I've got a feeling there's a claim number in here. Okay.","start_word":4166,"end_word":4181,"intents":[{"intent":"Check correspondence","confidence_score":0.66127026},{"intent":"Check correspondence","confidence_score":0.11269877},{"intent":"Check correspondence","confidence_score":0.19912367},{"intent":"Find claim information","confidence_score":0.13956648}]},{"text":"So that's a t so is the permanent is the TPD completely separate to the IP? Yes. Yeah.","start_word":4217,"end_word":4234,"intents":[{"intent":"Verify tpd separation in claims","confidence_score":1.7996724e-8}]},{"text":"of But documents. and that's the thing. I'm looking through those attachments now. TPD claim with aware.","start_word":4298,"end_word":4314,"intents":[{"intent":"Check documents","confidence_score":0.038464703}]},{"text":"We might have to call Aware and see if they can give us that claim Yep. number.","start_word":4389,"end_word":4405,"intents":[{"intent":"Contact aware","confidence_score":0.14169084}]}]},"sentiments":{"segments":[{"text":"Hey, Michelle. Hello. I just realized it's your lunchtime. Don't No. You're email fine. don't I message am. back until after lunch. I'm I'm just I'm just replying now.","start_word":0,"end_word":28,"sentiment":"neutral","sentiment_score":0.055543821305036545},{"text":"It's all good. With the everything's fine.","start_word":29,"end_word":35,"sentiment":"positive","sentiment_score":0.5117545127868652},{"text":"With the choice of payment order, so the how we're gonna withdraw the funds, is that just the Yep. because I can't find, like, the asset allocation. Is that just her current asset allocation in Aware, like, pro It rata? is. Yep.","start_word":36,"end_word":77,"sentiment":"neutral","sentiment_score":0.012987298890948296},{"text":"That Perfect.","start_word":78,"end_word":79,"sentiment":"positive","sentiment_score":0.34776633977890015},{"text":"that is that is her asset allocation. So I've Yep. been doing a little bit of corrective searching myself Yes. and was not sure whether the conservative balance would be the index and whether the balance would be indexed. So I chose the index ones, but Yeah. and I put the 34% in the conservative balance because I figured that would be a much more well, Yeah. there wouldn't be as much coming out of that as, for example, a balanced index would give. Is that right? Yeah. It's more Should conservative. be fine. Do they and they used to have a button they used to have a box on here that said pro rata. Do they not Yep. have that box there anymore? No. I've only got what's there. What Yeah. it says, That's fine. yeah. So that's where it says you you've actually gotta do one or the other. Yeah. Okay. No. That's alright. And, yeah, did I pop a screenshot of what her a lot her what her actual statement said. Did I pop that in Teams or not? Oh, is this is Oh, the bottom? I didn't. I think Okay. you did. I'll show you. Oh, really? Unless the withdrawal form. No. Just let me have a look because I'll show you. That way, you will see what she's got, Yep. which is why I've chosen those. Yeah. Let's That's go fine. back here. I just wanted to make sure I did it right, and I thought I can certainly I can ask Larissa or Yeah. somebody No. else That's here, but okay. I just thought if I asked you only because you you Yeah. know exactly what's going on. That's Alright.","start_word":80,"end_word":365,"sentiment":"neutral","sentiment_score":0.008227808199093476},{"text":"absolutely fine.","start_word":366,"end_word":367,"sentiment":"positive","sentiment_score":0.45868250727653503},{"text":"I just can't find the statement they sent us with with the asset allocation is on that statement. Yep. There it But is now. I just dropped it in. perfect. So that's what I went off. But it said balanced, but it Yeah. had accumulation accumulation. Mhmm. So I've popped it in the index. Is that right, or do I need to change it? It should be fine. Let me have a quick look at the other, see if another statement has exactly which one it is. Mhmm. Let's go to here. It might have to be a call to aware to confirm exactly what the investment is, but I'll see if I can find it in her file from something else. Yep. Okay. Insurance. Let me see what I can see as well.","start_word":368,"end_word":501,"sentiment":"neutral","sentiment_score":-0.012384423986077309},{"text":"Super.","start_word":502,"end_word":502,"sentiment":"positive","sentiment_score":0.3866044282913208},{"text":"Balance. Oh, yeah. Her old thing does say future saver, so that's perfectly fine. Yep. Life I cycle. just searched the USI because I thought Yeah. that me, and I checked that the fund was set up between those dates, 2014. Yep. No.","start_word":503,"end_word":545,"sentiment":"neutral","sentiment_score":0.0990767851471901},{"text":"It's perfect. Did great. Oh, thank you.","start_word":546,"end_word":552,"sentiment":"positive","sentiment_score":0.3944154381752014},{"text":"Aware rundowns. So rundown we have at the moment. Retained research aware. Let's have a look at this. So asset allocation. Nope. That doesn't say anything that this is. Do you have money invested? Yes. I wonder if this old account summary will have something for us. That's the same thing we got at the moment. It might have to oh, here we go. Oh, but it looks like she changed something there. I saw that, but that but this statement was the most recent, so I would assume that's where the switch had had adjusted to Yeah. that those Yeah. figures. So if I go to conservative balance accumulation and balance accumulation, yeah, I would say that's essentially it. It would be it would be what the in index is, and there's really nothing else that says that. Index. Conservative balance. You know what I think I would probably just do is I would change it from the balance index to the conservative Yep. balance and the balance because when I look at the rundown, Yep. Alright. Let me it go doesn't do it while I've got you on the phone yeah. You're right. because I wanna get it right. So here, is that it?","start_word":553,"end_word":758,"sentiment":"neutral","sentiment_score":0.010516401380300522},{"text":"No.","start_word":759,"end_word":759,"sentiment":"negative","sentiment_score":-0.3667052984237671},{"text":"That's not the one I'm working on. Well, it says she has a list in cash too. We could probably just So withdraw it out of the cash, a 100% for the cash. yeah. Yeah. Because it's all Okay. in cash. They haven't invested any of the money from what I can see. So just do a 100% for the cash account because Okay. Okay. they've she's got 80,000 sitting in cash. Okay. Yeah. So where are you seeing that? Just oh, I can see it now. Yeah. Okay. I should have opened my eyes, shouldn't I? Yeah. No. Just do it from that. Because, I mean, if we say pro rata anyway, they're just gonna take it from the cash account. Yep. Okay. I've just changed Yeah. that to cash. Yep. So what I might do so let me I'm gonna start at the top. So everything at the top is correct. Step Yep. one. Yep. Step two, proof of identity. I think I'm gonna have to confirm with her whether she's provided that previously. The only concern I have is we don't know if she's provided those banking details. Yes. So I had a look online. It says that so she because she's in accumulation, she's never had a withdrawal. They won't have her bank account information. They only normally get that when you're in pension phase. Mhmm. So we will have to provide the bank account information, and they will probably call her and or do, like, a security check the same as hub twenty four do. Okay. So we won't need to provide documents. We shouldn't have to. So I did sort of have a quick look when I was talking to her because I said, Andrew, you know that sometimes request, like, a copy of your bank statement to show it. But on the form there, does it say that it's gonna ask her to provide any of the bank statements? It just says previously provided certified proof of identity. Oh, just the ID section. No. That's okay. So Yes. we'll probably Step just two. if we've got her ID, her certified ID, we'll just send that off with the form just so we're covering that base. Yep. Okay. That's 2024. Is that gonna be sufficient?","start_word":760,"end_word":1140,"sentiment":"neutral","sentiment_score":0.008132054042706652},{"text":"That's fine.","start_word":1141,"end_word":1142,"sentiment":"positive","sentiment_score":0.42189380526542664},{"text":"As long as the ID is valid, it shouldn't be a problem. Okay. So so should I just what should I tick there? I will provide proof of identification. Yeah. Yes. Yep. And we'll attach Okay. it with the form so it all gets sent off together. Okay. Nominate the amount you'd like to withdraw. I popped in there 500 50 k, not 500. You're Mhmm. doing well. She's got that. I popped in partial withdrawal. So because she's retired, is that going to be after tax or prior No. She's to? yeah. No. It'll be we'll put into the gross amount, Mhmm. but we want it to be net. So you can put it in if they have the gross I'm just having a quick look at the form. If they have, like, gross and or net, we can just put it in just put 50,000 after tax. It'll be fine. Okay. After tax. Yeah. Just Yep. okay. So let me just pop the 50 Beautiful. caps. No worries. If I have to pay thousand dollars. Okay. K. So we've got the 100% cash. Mhmm. Your payment option, I'll ask when she when I speak to her, get the payment the VSP and account number. Section step six, which is page four, I've crossed out. I have ceased an employment arrangement since turning age of 60. Is that correct? Yeah. That's fine. Okay. Step seven actually says disability attestation. Mhmm. We don't need to worry about that. It says complete for disability withdrawals only. Yeah. So she does have TBD, so we should probably tick that box as well. Okay. Yep. I declare that my in my current incapacity, I've ceased gainful employment and have met the gainful employment. Yes. She's not working. I mean, she's still getting Okay. contributions from workers' compensation, but she's not actually working, and she's Okay. never gonna get back to work. Okay. Now Presbyterian Ladies College, I went through. That was the last time she got money was from Presbyterian Yep. Ladies College, so I've popped that Yep. in there. Now am I am I right to tick no? I used to working for this lawyer. No. Sorry. The rest is also sending me messages. Mhmm. We had that one now. That's skip eight. Step eight. Step eight. I'm Here we so go.","start_word":1143,"end_word":1532,"sentiment":"neutral","sentiment_score":0.016583339869976045},{"text":"glad that you're Employer.","start_word":1533,"end_word":1536,"sentiment":"positive","sentiment_score":0.3469880521297455},{"text":"pausing over these as Are well you because still I, you know, was not sure. are you still working for this employer? This question, I think we should ask Larissa because technically technically, she's not working. But if she's is she receiving any benefit from them? She's not well, technically, not. She's receiving workers' compensation payments. Okay. So we should probably just find out the last date that she physically worked, Yep. if she remembers it. Yep. Okay. And do I still need to ask Larissa if she's receiving workers' comp payment workers' comp payments from work from the actual fund. You know what I mean? Whether we would need to put in yes or no. Theoretically Yeah. speaking, she's not turning up to go to work. However, the time I wonder what it says under the disability attestation to clear that due to my permanent capacity, I have see stable employment, and I have not sought stable employment, which I am reasonably qualified having regard to my education experience and training. I'm unlikely I ever to engage in gainful employment, which I recently qualified. I have regards to my education experience. I have not sought to complete any additional education experience to train to which I could be gainfully employed. If my total benefit was approved for release due to having met the permanent incapacity. If you are unable to make the above attestation, your benefit will be paid with this. Okay. So that's yep.","start_word":1537,"end_word":1782,"sentiment":"neutral","sentiment_score":-0.14619712095435072},{"text":"So this has got nothing.","start_word":1783,"end_word":1787,"sentiment":"negative","sentiment_score":-0.3774887025356293},{"text":"Yeah.","start_word":1788,"end_word":1788,"sentiment":"neutral","sentiment_score":-0.2706911265850067},{"text":"That's a hard one, isn't Yeah.","start_word":1789,"end_word":1794,"sentiment":"negative","sentiment_score":-0.3437810242176056},{"text":"it?","start_word":1795,"end_word":1795,"sentiment":"neutral","sentiment_score":-0.1457732319831848},{"text":"Because she she physically is not working for them.","start_word":1796,"end_word":1804,"sentiment":"negative","sentiment_score":-0.3707519471645355},{"text":"However, she's Mhmm. paid by workers' comp as a result Correct. of an injury incurred on the job with Presbyterian Is Ladies College. is Larissa there? Can she answer that question for us? Just bear with me for a moment, and I will see if Larissa has her ears open to hear me. Cool. Yes. She does. Oh, good. Because I don't know how to fill this form. I hadn't told her originally it's easier if we take the money out of hub, and she wanted to do it out of aware. And I was like, oh, we'll give Okay. it Yep. No worries. So I've got Larissa with a go. me. So this Cool. lady here, she's on just she she's gotten a TPD payment. So yeah. It's Dana. Yeah. Yeah. Oh, lord. I wouldn't be telling anybody else all of this. So, basically, we've gone through all of this other stuff. However, she is no longer gainful we we don't believe she's gainfully employed by Presbyterian Ladies College. However, workers' compensation is still being paid to her. And So she's getting SCC. and she's got an SGC. So yes. K. Yes. What are we ticking that box? Wait. She she went to say yes, and then she went and did a dance. Yeah. That's what I'm doing. Because I'm like, she's technically not gainfully employed, but she's still Yes. getting Okay. the workers' compensation. Yes. So, ladies, I'll just read I'll just tell, Larissa what you said and what Yeah. you Larissa said to you. So Larissa said, no.","start_word":1805,"end_word":2065,"sentiment":"neutral","sentiment_score":-0.03478247364019525},{"text":"She's still not working.","start_word":2066,"end_word":2069,"sentiment":"negative","sentiment_score":-0.4348706603050232},{"text":"And Perfect. so do we get the final date from her? Or Yes. You get the final date. Okay. Just bear with me for a second to confirm something else. That's her declaration. I've saved this because we quite often this Need it again?","start_word":2070,"end_word":2113,"sentiment":"neutral","sentiment_score":0.03811081871390343},{"text":"we're super pain in the ass.","start_word":2114,"end_word":2119,"sentiment":"negative","sentiment_score":-0.6057565808296204},{"text":"Yeah.","start_word":2120,"end_word":2120,"sentiment":"neutral","sentiment_score":-0.22126534581184387},{"text":"Well, they won't give anything out. They're No. bloody dickheads.","start_word":2121,"end_word":2130,"sentiment":"negative","sentiment_score":-0.4711451530456543},{"text":"Yeah. Okay. We've That's gone why there.","start_word":2131,"end_word":2137,"sentiment":"neutral","sentiment_score":-0.1111251339316368},{"text":"I got a really good person last night, and when I was on the insurance stuff with him, I was asking him such sweet questions Have and being you considered so sweet.","start_word":2138,"end_word":2169,"sentiment":"positive","sentiment_score":0.3417605459690094},{"text":"possibly looking at getting the client Hang on. She was talking. She couldn't hear you. Say it again? Have you considered getting the client to do a work cover Lump sum payer? Yes. I asked her to if Yes. that she's spoken to the lawyers Diana? about that, and she Diana? said that Diana? she has. Sorry? What? What? Alright. Hit me. Hey. Yes. So I did talk to her about that. She said that she has spoken to them, that they're paying her the regular weekly amount until she turns age 67. She was apparently told that she had to take up a claim or sue them to get the payout figure and that she wasn't willing to do that because this is all under mental health, and she's got major chronic anxiety and stuff. And she's happy if they just pay her each week until the age of 67. Fair enough. Have they Yeah. confirmed? And like, she needs to probably ask them if they are going to continue at a rate of six at 80% because Yeah. if they She's she said that it's not changing. She said she had to get the pay for the first twelve months before she got to SGC, and she said at this rate, it's continuing as it is until age 67 that she's aware of. Okay. Yeah. Yeah. And she said that's confirmed that. But she's She's probably also not got gonna a get family. IP. No. Well, she's also probably she also got a family trust that pays her $12,000 a year. Well, she's probably not gonna get IP, but if she has TPD, she could probably go down the TPD route. Well, she's got TBD. She's had it paid out. So Oh, the TBD cool. has That's been this done. lady. Mhmm. I just yeah. I called Aware last night, and I got to the insurance team. And I was like, I'm just wanting to find out about, like, has she Yep. had income The TPA protection? What's happened? with any of these providers, what you have to do is you actually have to provide you have to have so with with a industry fund or, you know, Yeah. You have to provide the TPA for any Yep. claim to the fund. You have Yep. to also ask for it to be Yep. applied to the fund's claims department because it's completely separate to the fund. So aware aware claims, and then you also have to get them to send it on to TAO or whoever Yes. their insurer is as well.","start_word":2170,"end_word":2603,"sentiment":"neutral","sentiment_score":-0.05523347595388988},{"text":"So one claim is three fucking separate TPAs.","start_word":2604,"end_word":2611,"sentiment":"negative","sentiment_score":-0.47938990592956543},{"text":"Obviously, Yeah. same TPA document, but you have to ask for Yeah. it to be applied with each of the departments.","start_word":2612,"end_word":2632,"sentiment":"neutral","sentiment_score":-0.20774835348129272},{"text":"It's bullshit.","start_word":2633,"end_word":2634,"sentiment":"negative","sentiment_score":-0.612929105758667},{"text":"But Yeah. anyway especially I the, know. like, the aware claims department. I get how how is a separate entity, Yeah. but at Yeah.","start_word":2635,"end_word":2658,"sentiment":"neutral","sentiment_score":-0.15701310336589813},{"text":"least the aware claims department is just bullshit.","start_word":2659,"end_word":2666,"sentiment":"negative","sentiment_score":-0.5040082931518555},{"text":"Absolutely. Anyway, But, no, he was really lovely. Like, he I just used the same TPA, and I got through the insurance team. Yeah. And he had a look, and he said he could see that there was a claim. He gave me information. He said there was a claim for IP submitted on the in March, and it was sent through to TAO claims on the March 30. They haven't heard anything Yeah. back.","start_word":2667,"end_word":2741,"sentiment":"neutral","sentiment_score":-0.027307940647006035},{"text":"And she told me that the solicitors sent that off with the TBD stuff, but she was under the impression that it had been stopped because she wasn't eligible.","start_word":2742,"end_word":2770,"sentiment":"negative","sentiment_score":-0.33909276127815247},{"text":"And I was like, look. If you're getting 80% workers' compensation, they're not gonna pay income protection because it's over the 70% threshold. But Is the I aware think bracket it's worth 70 looking. percent? Is Sorry? the aware bracket? Is aware 70%, and is her Yeah. policy It is. 70%? It Alright. is. There Yeah. you go. Their Cool. their policy is 70%, but she doesn't know what happened with the income protection claims. So I was like, well, let me put a TPA on file with Tal and see if we can get the information on where it is, what they've done, what's happening with it, how's it been stopped, did they get it, and see what they kind of say. Because it also comes down to what TOW assess it as, and it could be different Yes. to what TOW to Aware TOW us. So, I kind of was like and they gave us the number. I gave it to Michelle to call Tal to see. He couldn't give me the claim number that was outside of the TPA requirements. Yes. But I've got if we call Tal, I've got the number for Tal claims, and I get Michelle to just give them her information and find out what form we can get her to sign, then we can get her to sign a TPA, have it applied, and then we can do that research for her. Because it looks like I could be able to consolidate. Yeah. Like, I don't think she's gonna get the income protection claim, but at least we're doing her due diligence. And then we can probably look to consolidate her to hub twenty four from Aware. I mean, She does realistically, need this money you now. can also So you can also ask aware, hey. There's a claim that's being submitted. If the claim is open and pending for the condition that was diagnosed here and the account becomes closed, is the claim still valid? And the answer's gonna be yes. I can tell you now the answer's gonna be Yeah. yes because irrespective, even if we closed the account today, it's Yeah. for predating. It's for a preexisting condition. Pre So preexisting just thing. Yeah. you can close the account. Yeah. You can one Okay.","start_word":2771,"end_word":3155,"sentiment":"neutral","sentiment_score":-0.03607284306705772},{"text":"100% Cool.","start_word":3156,"end_word":3157,"sentiment":"positive","sentiment_score":0.4711870849132538},{"text":"close the account.","start_word":3158,"end_word":3160,"sentiment":"neutral","sentiment_score":0.31236502528190613},{"text":"Okay. Perfect. Cool.","start_word":3161,"end_word":3163,"sentiment":"positive","sentiment_score":0.42970651388168335},{"text":"But, yeah, she needed that money kind of now to pay put on her mortgage because she's a bit stressed with how much she owes. She only wanted, like, 40,000 to put on the mortgage and give her a bit of a buffer, and she's gotta pay the solicitors now. And I said, well, let's do that now with a transaction without advice. That way, you get the funds. You can do that now. And she was happy with that because, otherwise, it could take yeah, a bit of time. And the money's Oh, wow. sitting in cash, you know, where anyway. So yeah. And she was happy with that. She was like, yeah. That'll get the solicitor off her back. That'll put some money on her mortgage to give her a bit of a buffer and reduce the interest Yeah. she's paying. And then I was like, I'll go back and do the rest of the research for you. We'll provide the advice and update everything else. And she was like, yeah.","start_word":3164,"end_word":3336,"sentiment":"neutral","sentiment_score":0.02173837088048458},{"text":"Absolutely perfect. So I love.","start_word":3337,"end_word":3341,"sentiment":"positive","sentiment_score":0.545548677444458},{"text":"Alright. Well, I'll leave oh, it with good. you, and I'm gonna go back to my spreadsheet. Oh, thank you. I just wasn't sure with that form. I was like, oh, I think I need Larissa to help help us with that one question because that's one I've never had to answer before. Yeah. No. She's not gainfully employed. She's she's literally receiving compensation payments. So No. Okay. She's good. Perfect. Alright.","start_word":3342,"end_word":3413,"sentiment":"neutral","sentiment_score":0.007070553954690695},{"text":"Perfect.","start_word":3414,"end_word":3414,"sentiment":"positive","sentiment_score":0.33399152755737305},{"text":"Much love. Alright. Bye Perfect. bye. So I'll get the research done to close off Aware and consolidate everything over it. There's no issues with Oh, workers' compensation it's moving SGC. that it's me. Larissa gave me the headset, Oh, and she's gone. okay. That's all Did did good. you wanna ask her that? Or No. That's okay. I'll follow-up with her next week. We'll just get this stuff done for Kate, and I can always come back okay. and chat to her afterwards. Yeah.","start_word":3415,"end_word":3499,"sentiment":"neutral","sentiment_score":0.10802566163680132},{"text":"Alright. Great.","start_word":3500,"end_word":3501,"sentiment":"positive","sentiment_score":0.514264702796936},{"text":"Now I've gone back to the ID because Yep. there was something that didn't feel right. Yep. And it says down here, I will provide original certified proof of identity documents that have a certification date within the last twelve months. So we have to So re certify it. yeah, or we can send a copy of her driver's license and medicare card. Let me just see here. Let me read this again. I mean, we could just re rapid ID her and get Savvy to recertify it. Sabi's not in. Oh, it's Okay. get this Tell rapid me on ID, the get Larissa to recertify it. Yeah. We just gotta Okay. rapid ID it again to make sure that way that we can certify it within Yep. the thirty days. Or was Okay. because when was it certified? When was the last one certified? It was the 04/10/2024. Let me just open it up. I know it was Yeah. 2024, definitely. So that's what I was a bit concerned. I thought Yeah. that it just didn't sound right with it being almost two years old. Yeah. Okay. No. So Just double check with Larissa what she wants to do. But, realistically, if it if the license is still not expired, if it's still a valid license, we could just run the rapid ID again to reverify yep. it Yep. and then get that recertified. I don't see an issue, but double check with Larissa to make sure that's that's Yep. okay, yeah, with Yep. what she's Yep. comfortable Yep. with. Yeah. Yeah. And and the ID, I think when I had a look at it let me just go back for a second. That's all over the place here. Yeah. K. Photo ID. Front. It's a date on it. Okay. That's that one. Oh, that one was expired in 2022, the one I'm looking at there. Let's have a look at this Yeah. one. It is expire. Oh, this one here is 2032 expiry. Okay. Yeah. I thought we had a an older one. Yeah. I've got that in front of me now. So, look, what I'll do is I will go through I'll edit that. I'll get make sure Larissa is happy to do it. Yeah. And then what I'll do is I will get run that through. Because I think they did that recently. Is it her? Must be somebody else. Anyhow, I'll get that sorted so Yep. that we won't have to worry about that. I'm glad to mention that because I didn't think Yeah. with all the other things.","start_word":3502,"end_word":3935,"sentiment":"neutral","sentiment_score":0.02112889882125613},{"text":"So, you know, awesome. That's Alrighty. so good. You're doing a great job. Thanks. Thank you.","start_word":3936,"end_word":3951,"sentiment":"positive","sentiment_score":0.6602866649627686},{"text":"Alrighty. I feel like I've just spent so much time on this one today, but I suppose that this is stuff Katie normally does, doesn't he? It is. Yeah. And, like, moving forward as, like, we get to do a lot more stuff, you'll find that things take a little bit more Yep. time like this. But you'll get faster the more you do them as well. So Yep. Yep. yeah. Yep. Yep. Awesome. All Alright. good. Okay. I'll continue on. No worries. And with how now let me Yes. just go back because I overheard you and Larissa speaking about how so I'm just gonna try and open up my my bloody screen again. Yeah. Okay. So let's go here. Some action items. Full Telstra ID claims. Was not able to provide the claim number, but if we provide details of client, they should be able to search. Okay. So If not, I can call back Aware and see if they can give us the claim number. I just the guy couldn't give it to me last night, so I could always try and find the claim number for the IP claim. Or even when we call Kate, she might even have it. Yep. Yep. Yeah. Yep. We'll try that first. Let Yeah. me check correspondence, though, because I've got a feeling there's a claim number in here. Okay. I'm positive I saw something. MLC. It'll be for an income protection claim. Yep. Where let's go in here. TPD. I'm just gonna have a look and see if it's got anything on here. Okay. So that's a t so is the permanent is the TPD completely separate to the IP? Yes. Yeah. They have two separate claims departments Okay. that handle those things. Yep. Okay. Because I remember looking at these and seeing Tel somewhere. Alright. Leave it with me. I'll look through it, and I'll let you know if I find it. Okay? I wonder if it's in the email she sent us the other day because she sent us a whole bunch Yeah. of But documents. and that's the thing. I'm looking through those attachments now. TPD claim with aware. Okay. So that's the TPD claim. Yeah. So you send a letter then no. It's not on here. Lawyers. I'm positive I've seen something with how on it that was that looked out of place. Margalit. Let's have a look at that. That's the sender. That's a boy. Yes. Okay. K. I'm positive I saw tell somewhere. Let's see Disability what this brings up. benefit. K. Not there. K. Let's go to here. K. We might have to call Aware and see if they can give us that claim Yep. number. No worries. Alright. They should be okay to give us some sort of information. The guy couldn't last night, but he also had trouble with his screen. So Yep. worst case, I can always give him a call later this afternoon and see if I can somehow get it out of them. Yep. Yep. Alright. Okay. I'll let you know if I find anything, and I'll ask Aware. Sorry. I'll call Aware again and see if I can get the claim number for the IP. Yep.","start_word":3952,"end_word":4491,"sentiment":"neutral","sentiment_score":-0.017940097191819437},{"text":"Okay. Awesome. All good. Okay. Thank Thank you. you, Dana. No You worries enjoy at your all.","start_word":4492,"end_word":4508,"sentiment":"positive","sentiment_score":0.5694394111633301},{"text":"lunch. I will. Okay, I'm doll. gonna Okay. call Amelia shortly and do her AR. But yeah. Well, if you need me, call me anytime. Oh, okay, doll.","start_word":4509,"end_word":4536,"sentiment":"neutral","sentiment_score":0.144565150141716},{"text":"Thank you so much. See Okay.","start_word":4537,"end_word":4542,"sentiment":"positive","sentiment_score":0.5948073863983154},{"text":"you. Bye bye. Bye. Bye. Bye.","start_word":4543,"end_word":4548,"sentiment":"neutral","sentiment_score":0.16019634902477264}],"average":{"sentiment":"neutral","sentiment_score":-0.007494374111421796}}}}