Life Insurance Case Study

Mr Lee, a 36 year old, Bank Teller was referred to Resilia by a life insurer after being diagnosed with post-traumatic stress disorder. The impact of Mr Lee’s illness on his occupational functioning resulted in him being terminated from work and detached from the workforce for over 12 months. Mr Lee had an aged 65 income protection policy.

Upon review of the referral information, Resilia recognised that Mr Lee recovery had become ‘stuck’ and there appeared to be inconsistent information on the file in relation to Mr Lee’s capacity.  Resilia therefore completed an Independent Psychological Assessment (IPA) to clearly identify the barriers or ‘flags’ impacting Mr Lee’s recovery, review the efficacy of his current treatment and identify rehabilitation and recovery recommendations.

The IPA identified that Mr Lee no longer met the criteria for post-traumatic stress disorder, while his psychological symptoms were still present, they were sub-clinical in nature. Resilia facilitated a referral to a new psychologist (he was previously consulting a Social Worker for supportive counselling) who specialised in best practice Cognitive Behavioural Therapy, to assist with increasing his coping strategies and emotional resilience.  The IPA also identified that Mr Wang had an external locus of control and a strong sense of entitlement with regards to staying off work indefinitely while he recovered from his illness.   Resilia arranged a referral for Mr Lee to participate in The Resilience Box ProgramTM (TRB) to build Mr Lee’s self-efficacy and encourage behavioural changes, taking a more active role in his own recovery/ life, through strengthening his own personal resilience.

For a period of 8 weeks, Resilia monitored Mr Lee’s participation in TRB Program and conducted regular reviews the new psychologist. Upon the completion of the TRB program and eight treatment sessions, Resilia arranged a medical case conference with all parties (TRB Psychologist, Treating Psychologist, GP and Resilia Rehabilitation Consultant) to discuss Mr Lee’s treatment progress, current work capacity and to collaboratively develop a Return to Work Plan.   During the case conference, Mr Lee’s TRB post-program measures were discussed, they demonstrated a significant reduction of depressive symptoms (DASS42 scores) and overall improvement in emotional welling (WEMWBS) and motivation to lead a more productive life.  His treating psychologists talked through the outcomes measures she had utilised during therapy which also objectively confirmed symptoms reduction.   It was agreed during the case conference that Mr Lee was ready to engage in a vocational assessment and counselling to identify suitable employment goals and commence planning for his return back to employment.

Resilia completed a Vocational Assessment and four subsequent vocational counselling sessions with Mr Lee.  During these session Resilia discussed at lengths the health benefits of work literature and administered occupational inventories such as the STRONG and MBTI to engage Mr Lee in his career planning and exploration. Mr Lee identified two career options that were consistent with his interests and relevant to his education and training.

Over the next six weeks Mr Lee engaged in Resilia’s Accelerate-Employment Skills Program, to   boost his job seeking confidence and develop his job seeking skills/resources.  This included Mr Lee participating in mock job interviews, developing a LinkedIn Profile and actively applying for employment.  Mr Lee opposed the recommendation of concurrently participating in voluntary work to increase his work skills and work conditioning.  We therefore came to a mutual agreement that Mr Lee would engage in a Functional Restoration Program (FRP) to increase his activities of daily living and prepare for his return back to the workforce. The FRP required Mr Lee to wake up each morning at 7.30am, have a shower, put on clean clothes, and sit at his computer applying for employment or completing Resilia job seeking activities for 1.5 hours. Mr Lee’s FRP also included the completion of activities such as daily exercise, completing a free online computer course, mindfulness activities and ensuring the he retired to bed at the same time each night. (It is noted that at the time of referral Mr Lee would previously sit up all night watching movies and sleep during the day until approximate 3pm).  Resilia would monitor the completion of Mr Lee’s FRP using journal logs and regular communication via email and phone.

Approximately eight weeks later, Mr Lee successfully secured full-time employment as a Duty Manager, working for a large international Hotel Group. The job design of Mr Lee’s new role was suitable to his interest areas which included; having autonomy, working in a customer facing role and having managerial responsibilities.  Resilia monitored Mr Lee within his new position for a period of six weeks, during that time he successfully completed an intensive induction program and continued psychological treatment.  Mr Lee finalised his claim for income protection with his insurance company two weeks later.  

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Title Latitude Longitude
Melbourne, Craigieburn, Laverton, Frankston, Ringwood North, Noble Park, Geelong, St Kilda, Mornington -37.8136 144.9631
Sydney -33.8688 151.2093
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