Case 1: It was not disputed that the member had suffered a spontaneous spinal subdural haematoma which had left him a paraplegic, and that it caused significant changes to his personal and working life. But did the insurance in his super fund cover this situation? The short answer was “no”, which may be a surprise. In this case, the member underwent extensive rehabilitation, the result being that while “he had not had any meaningful functional recovery in his lower limbs”, he had made “a good return to community living, being independent with all transfers and activities of daily living and...