Case 1 The member had four units of default Total and Permanent Disablement (TPD) insurance and in March 2010 he applied for six additional units of underwritten cover. To obtain the cover he was required to answer a number of questions for the insurer. He answered each question ‘no’, including one which enquired if he had lost the sight of an eye. By April 2015 the member was legally blind with a medical condition known as Stargardt’s Disease which was confirmed by DNA testing later in the year. The condition involves progressive retinal degeneration. The member had first noticed something...