Case 1 It is not unusual for school teachers approaching retirement to change their work status to that of a casual relief teacher. But what is the impact of this decision on the individual's income protection (IP) insurance cover? In 2012, the member reduced her hours so she worked, on average, no more than ten hours each week. The case was essentially about her changing work patterns and the effect that had on her IP insurance. The first decision being reviewed was that of the trustee refusing to pay back premiums deducted during the period January 2012 to July 2016,...