When unexpected illness strikes

3 min watch

In 2010, Wendy was diagnosed with rheumatoid arthritis, an incurable and debilitating condition that changed her life overnight. This is her story. 

At the time of her diagnosis, Wendy, then 47, was loving life, enjoying peak career success working for a pharmaceutical company, and a newfound romance with David, a lovely man she had met six months earlier.

At first, Wendy was unable to comprehend the reality of what lay ahead. Just six weeks after her diagnosis, crippling pain meant Wendy could no longer perform her normal duties at work. When it became clear she would have to leave the job she prided herself on being good at and which she loved, the mum of three was devastated.

Just six months before her diagnosis, Wendy had met with a financial planner who suggested she take out income protection. Fortunately, Wendy listened and now, looking back, says it was one of the best decisions she had ever made. She often thinks about what her life would have been like had she not had the financial support income protection provided.

Rather than worrying about how she was going to pay her share of a new mortgage and meet her medical expenses, Wendy could focus on her treatment, and adjusting to a new life that was never part of the plan.

It took three years to get her condition to a manageable level and David stood by Wendy’s side and they married, even though they hadn’t been together long, creating in the process a blended family that makes them the proud grandparents of 10.

These days, Wendy works part-time as a first aid teacher and keeps her RA symptoms under control through a strict vegan diet and plenty of exercise, especially swimming and cycling.

Wendy’s story is an inspiring tale of indefatigable resilience in the face of adversity. As David says, “She gets up, she dresses up, she turns up – and she never gives up.”

Adds Wendy, "Life these days is definitely challenging managing an incurable disease. I have my good days and bad days, and still a few sad days too. My health has its ups and downs but my focus now is on staying well as best I can."

Hope for the best but plan for the worst

It may be important to know which options could be available to try and help protect you and your family’s future, in the event of any unforeseen sickness or injury. Speaking to a financial adviser about your insurance cover could provide peace of mind for you and your loved ones.

Types of life insurance

Term Life insuranceIncome ProtectionLiving Insurance (also known as trauma insurance), and Total and Permanent Disablement insurance.

Life for today and prepare for tomorrow. Define your future by considering the right protection for you.

For more information, speak to a financial adviser or visit BT's protection plans pages.

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When a crisis occurs, your insurance kicks into action. BT offers our insurance customers a dedicated claims team, who aim to make the process quick and easy.

Information current as at 30/07/2017.

BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (‘WLIS’), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472 ('WSAL') as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS  and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (‘the Bank’). The Bank does not guarantee the insurance.   

This information is general advice only and does not take into account your personal circumstances. Terms and conditions, limitation and exclusions apply. You should read the BT Protections Plans Product Disclosure Statement available at bt.com.au to see if this insurance is right for you.
The claim story referred to is that of a real life customer and the testimonial provided is an extract from the full testimonial which has been used for illustrative purposes, and has been reproduced with permission.

© BT Financial Group – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.