Child with autistic spectrum disorder and concerns about TPD insurance

From: To: Community Affairs, Committee (SEN); Subject: Spam: Submission to the Inquiry into the National Disability Insurance Scheme Bill 2012 Date: Thursday, 17 January 2013 9:41:11 AM

Please consider this email a formal submission by me to the Senate Standing

Committee on Community Affairs Inquiry into the National Disability Insurance

Scheme Bill 2012.

The current disability system has many problems that need to be addressed.

My family is lucky. We are blessed to be a two-income family with two healthy children. One has autistic spectrum disorder and receives financial support from Centrelink, which is very good. But it might not always be that way. Accidents happen every day, and any one of us might become permanently disabled.

The main features of the NDIS that will make a difference to the community are:

The ability to receive services when needed and in the way that suits the person, Removal of age barriers to services for children, Older parents and families will not worry what happens when they can no longer provide support

The most important services for the NDIS to provide are:

Therapy and allied health services, Equipment and home/vehicle modifications, Education support (technology/services/equipment)

I support the introduction of the NDIS.

As a nurse, I know that any one of us could become disabled at any time. The current insurance options of TPD cover are not universal and are limited in what they provide. I personally knew a young man who drove his wheelchair off a pier and killed himself after his insurance company (HIH) went bankrupt and refused to pay his cover. Having TPD insurance is no guarantee the company will pay up if you need it. There must be a better system.

I agree for my submission to be made public

Regards,

Ms Gillian Ray-Barruel