The claims Guideline is also for disability income insurance. There is guidance about the claims management process, case management, periodic review and claim forms. The purpose of the FSC education and training Standard is to ensure individual representatives or entities authorised by a life insurer to provide information to consumers in respect of the management of an FSC life insurance products Member’s receive an appropriate level of education and training in relation to ‘mental health’ awareness. The Standard also requires the Member to review the effectiveness of the Mental Health Education Program designed to ensure mental health Member’s awareness among such representatives or authorised entities. The FSC Standard requires that the mental health education and training modules must demonstrate learning objectives that: increase general awareness and understanding of the causes, signs and symptoms of common in the community; mental health conditions increase understanding of what it is like to have a and mental health concern; develop communication skills for interacting with consumers who may have mental health concerns. The FSC Standard sets out a non-exhaustive list of training providers and resources for education and training under the Standard. Gender A gender recorded on the birth certificate is determinative of the sex person’s person’s under state legislation. The state legislation specifies an administrative process for transgender persons who have undergone gender reassignment to change the sex recorded on their birth certificate. There is no equivalent commonwealth legislation. However, there is case law to support the conclusion that for commonwealth legislation, such as the IC Act, if a person has: undergone gender reassignment surgery, the sex is the person’s person’s biological sex (as per the surgery); not undergone gender reassignment surgery, the sex is the person’s person’s sex (even if the person has lived and identified as the opposite sex for a number of years). If a person has undergone gender reassignment and discloses to an insurer the person’s non-biological sex, there is no misrepresentation because this is legally the person’s sex. If a person has not undergone gender reassignment surgery and discloses his/her identified sex rather than his/her legal sex, this may still not be misrepresentation if that person held a belief (a belief that they are the identified sex) that a reasonable transgender or intersex person in that position would have held: IC Act, section 26(1).
The claims Guideline is also for disability income insurance. There is guidance about the claims management process, case management, periodic review and claim forms. The purpose of the FSC education and training Standard is to ensure individual representatives or entities authorised by a life insurer to provide information to consumers in respect of the management of an FSC Member’s life insurance products receive an appropriate level of education and training in relation to ‘mental health’ awareness. The Standard also requires the Member to review the effectiveness of the Member’s Mental Health Education Program designed to ensure mental health awareness among such representatives or authorised entities. The FSC Standard requires that the mental health education and training modules must demonstrate learning objectives that: increase general awareness and understanding of the causes, signs and symptoms of common mental health conditions in the community; increase understanding of what it is like to have a mental health concern; and develop communication skills for interacting with consumers who may have mental health concerns. The FSC Standard sets out a non-exhaustive list of training providers and resources for education and training under the Standard. Gender A person’s gender recorded on the birth certificate is determinative of the person’s sex under state legislation. The state legislation specifies an administrative process for transgender persons who have undergone gender reassignment to change the sex recorded on their birth certificate. There is no equivalent commonwealth legislation. However, there is case law to support the conclusion that for commonwealth legislation, such as the IC Act, if a person has: undergone gender reassignment surgery, the person’s sex is the person’s sex (as per the surgery); not undergone gender reassignment surgery, the person’s sex is the person’s biological sex (even if the person has lived and identified as the opposite sex for a number of years). If a person has undergone gender reassignment and discloses to an insurer the person’s non-biological sex, there is no misrepresentation because this is legally the person’s sex. If a person has not undergone gender reassignment surgery and discloses his/her identified sex rather than his/her legal sex, this may still not be misrepresentation if that person held a belief (a belief that they are the identified sex) that a reasonable transgender or intersex person in that position would have held: IC Act, section 26(1).