A TPD benefit does not 'accrue' for the purposes of a cessation of liability clause merely because the insured event (injury or illness) has occurred; the benefit accrues only when the elements of the TPD definition are satisfied, including any required period of absence and the formation of the insurer's opinion. A right to make a claim is not itself an 'accrued benefit'. Where employment terminates before the TPD definition is satisfied, the member's claim falls to be assessed under the schedule applicable to former employees, notwithstanding that the injury occurred during employment.
The full text is available to signed-in members, including the 5 later cases that cite this judgment.
2 of the 5 citing cases carry a classified treatment. How each court treated it is available to signed-in members.