If you are refused insurance, or the premiums you are asked to pay appear unreasonably high because of your condition, you can appeal the decision. If you have an insurance claim rejected for any reason you may be able to challenge the decision. If you want to challenge or appeal the decisions, legal advice is recommended.
Self-managed or private superannuation is different from group superannuation and is often used by people who are self-employed or not in regular employment. You can still get life and disability insurance through these funds but the insurer is likely to ask health questions to which you are required to answer honestly. Some schemes will cover you if you haven’t needed any treatment for a certain length of time.
If you’re not sure whether your condition should be disclosed you should speak to your Haemophilia Treatment Centre. However, employers are able to refuse employment if it is considered reasonable to do so based on these concerns. If you don’t mention your bleeding disorder when asked on an application form and an accident occurs, you may not be entitled to legal protection.
However, there are numerous state/territory and federal laws that protect against discrimination in the workplace if you disclose your status and are treated unfairly because of it. Under the Disability Discrimination Act, Anti-discrimination, and Industrial Relations laws employers are required to make ‘reasonable adjustments’ to accommodate an employee’s condition, for example, providing you with a work station that reduces the chance of a bleeding injury through repetitive movements or knocks.