MetLife Insurance Limited v MX [2019] NSWCA 228 (16 September 2019) (Meagher JA at [1]; Gleeson JA at [2]; Payne JA at [165].)


Catchwords:


SUPERANNUATION – accident and sickness insurance – benefits for disablement – where benefits insured under group life policy – benefit for “total and permanent disability” – where insurer declined claim twice – where the insurer’s second decision took into account its first decision – whether insurer took into account irrelevant consideration – whether insurer in breach of its contractual duty – whether insurer acted reasonably and fairly in its consideration of the claim