When an artery that carries blood and oxygen to your heart becomes clogged, you can have a heart attack or stroke. Over the years, fatty, cholesterol-containing deposits form into plaque in your heart’s arteries, causing them to narrow. A plaque rupture can lead to thrombosis (a clot), which can cause a stroke.
If you have experienced a stroke or heart attack, a medical specialist will advise your capacity to work. When you can’t perform your regular job role due to heart disease and have a Total and Permanent Disability (TPD), you could claim TPD insurance benefits through your superannuation policy. If you temporarily cannot work, you claim income protection (TTD) insurance. You could also get early access to your superannuation funds, allowing you to retire early.