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Workers who have lost their jobs, been stood down or are working less hours as a result of COVID-19 won’t be negatively impacted by changes to their total and permanent disability (TPD) cover.

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The Financial Services Council (FSC) has outlined the life insurance industry’s new initiative, which will see participating life insurers “support Australians through the unprecedented public health and economic impacts of COVID-19”.

According to FSC CEO Sally Loane, the initiative aims to ease any concerns people may have with their TPD cover by preventing any changes to cover being automatically triggered due to COVID-19.

“Millions of working Australians have TPD cover through superannuation which pays out a lump sum if you become totally and permanently disabled because of illness or injury,” Ms Loane said.

With a claim for TPD assessed on whether the person is expected to be able to work ever again, the CEO flagged that usually the TPD definition used to assess a claim is based on the person’s recent working arrangements.

“Typically, this depends on the number of hours the person was working and whether they were in casual work before the illness or injury happened. Broadly speaking, the fewer hours you work, the stricter the definition used to assess your TPD claim,” she explained.

“For most people, changes to TPD definitions happen only after their working arrangements have changed for six or 12 months (to cover parental leave, for example). For others, this change can happen after three months, depending on the particular policy wording.”

She highlighted how this means some Australians who lost their job, were stood down or had reduced working hours due to COVID-19 could see their TPD coverage change from 11 June 2020.

“To address this, today’s announcement ensures that if you make a TPD claim resulting from an illness or injury occurring since the pandemic has started, participating life insurers will assess your claim based on your working arrangements as at 11 March 2020, the date when COVID-19 was declared a pandemic — meaning you keep the cover you had based on your working arrangements before the COVID-19 pandemic declaration.”

The initiative will align with the current JobKeeper payment scheme — up until 27 September 2020.

All claims that are related to this period must be lodged before 1 January 2021.

Ms Loane said the announcement had been timed “to ensure the initiative is up and running before anyone is adversely affected”.

Life insurers will confirm their participation through a statement on their website.

So, what does it all mean?

The initiative applies to existing life insurance cover. It will be applicable to you, and be able to help you, if:

• You were working in your normal capacity on 11 March 2020.
• You have had reduced working hours or lost your job due to COVID-19 since 11 March 2020.
• You have become disabled as a result of an illness or injury between 11 March 2020 and 27 September 2020 (inclusive).
• You have maintained your TPD cover at the time you became totally and permanently disabled.
• You lodge a completed claim form on or before 1 January 2021.

If you meet the above criteria, the FSC said: “On an ex-gratia basis, participating life insurers will assess your claim using the applicable disability definition based on your working arrangements as at 11 March 2020.”

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Workers who have lost their jobs, been stood down or are working less hours as a result of COVID-19 won’t be negatively impacted by changes to their total and permanent disability (TPD) cover.

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Consumers could bear the brunt of an increase in the sheer magnitude and frequency of extreme weather events due to the impact climate is having on Australian insurers.

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A new risk radar report from Sparke Helmore Lawyers has revealed that the Australian insurance market continues to experience extreme volatility driven by an “unprecedented level of natural disasters”.

According to the law firm, “insurers have their backs to the wall” after the recent and catastrophic 2020 bushfire season.

Firm partner Chris Wood has indicated an understanding “that the narrative on climate risk has shifted as boards and insurers are warned of the danger of underestimating the increase in the cost of natural disasters”.

And with increasing losses experienced in recent years due to the sheer magnitude and frequency of extreme weather events and the resultant reduced availability and affordability of insurance, Sparke Helmore has foreshadowed: “There is a real danger that markets will shrink and expose consumers and governments to additional financial burden.”

According to the report, insurers are not having to manage the intersection between policies, risk premiums and price “to strike a balance between the viability of business and societal expectations”.

It comes as technological advancements also threaten to disrupt the insurance industry domestically.

With Australia’s insurance market becoming more competitive and consolidated, the report has stated that insurance bodies’ boards and C-suites need to have enterprise-wide oversight of every current conceivable eventuality and have strategies in place to mitigate and/or respond to risks around privacy, cyber security, regulatory intervention, supply disruption and reputational damage.

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Consumers could bear the brunt of an increase in the sheer magnitude and frequency of extreme weather events due to the impact climate is having on Australian insurers.

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I have always been a major proponent of income protection insurance, writes Helen Baker. The security it offers can see you through hard times. An ability to earn is your greatest asset; when that is on the line, so is everything else. But changes to insurance laws are set to seriously disadvantage people, especially women.

Write comment (0 Comments) " ["fulltext"]=> string(5033) "

The way women work, sometimes part-time or having career breaks, means we have less consistent income. Our income doesn’t curve up in a standard career trajectory. Under the new laws, this lack of consistency disadvantages women. Why are women worse off?

1. Policy structure

From 1 April, “agreed” policies on income protection insurance are gone. An “agreed” policy is when you and the insurer agree on your salary when you first buy the policy.

Say, for example, you earn $100,000 per year. You have some time off, go part-time for a period of time, or work less and your income goes down. Then you make a claim. You will still get 75 per cent of your salary ($75,000). The payment is based on the agreed salary and not your recent reduced salary.

But the new rules make the payment based on your recent salary. This is where it stings women. If a person takes maternity leave, works less or struggles with a small business, they earn less. If they need to claim insurance, it’s based on this reduced income, not their income at full capacity.

Increasing your insurance after time out (maternity leave, illness) is also harder. For example, Jess was earning $100,000. Then she had a baby and worked part-time. With less income she wanted cheaper bills, so reduced her cover to reflect her new salary. In the years on mat leave and part-time, she had a health issue. Eventually, Jess goes back to earning $100,000 and wants to put back in place her initial cover. Unfortunately, she will have to go through a new application/underwriting process. She may now face exclusions, loadings or potentially declines based on her current health. Jess may find the process much more expensive and difficult.

The only option here is to continue paying the insurance fees based on earning $100,000. Regardless of actual income or capacity to pay.

2. Insurance in your super

Most super funds have insurance for life, income protection and total permanent disability. Often this coverage is automatic and many don’t know about it.

The new laws require “opt-in” or the insurance is cancelled. The problem is that many people don’t know they have this insurance until they need it. Also, those that might know about it don’t know about the legislation changes.

The idea behind this change was to save people money. The government didn’t want people’s super pilfered for insurance fees no one knew about. But I’ve had several experiences where this insurance was very important, even life-saving.

In one case, a client requested $100,000 from their investments. Of course, this was fine, but I queried the purpose so I could structure the withdrawal efficiently. Turns out, it was a life-threatening health issue with their son and the cash was for medical treatment. I asked whether the son had superannuation. We discovered he had super with insurance. We were able to claim on the insurance and save the family’s investment portfolio. With this new legislation, that would never have happened.

This rule is also another loss for women. To have insurance within your super, you need to be actively contributing to it. This means women on maternity leave or a career break could lose their insurance.

Also, if a person is non-contactable, the super fund diverts the money to the Australian Taxation Office’s “lost super”, the insurance is cancelled. I know of someone who wasn’t aware their super fund had diverted to lost super. If she needed to claim, not only would there be a grim discovery — no insurance — but she also risks not being able to get new insurance.

3. Missing money

Insurance premiums can stress a budget, and they keep going up. To reduce fees, the government enforced commission reductions for insurance agents who sell policies. They also changed the clawback rules. Clawback means the insurer claws back their commission if a person cancels a policy. Previously, this was limited to the first year. Now it’s two years. And the commission has decreased in increments from 110 per cent to 66 per cent. But here’s the kicker: insurance premiums aren’t any cheaper.

It is really important that you take action — know what you have, understand the changes in relation to your personal circumstances, your policies and your superannuation funds. Whether you seek advice from a financial adviser or your superannuation fund or manage it yourself, ensure you don’t make a mistake. We often don’t know what we don’t know, and in our industry, never has there been a truer word. Insurance is complicated and full of jargon. Getting it wrong is very costly, not just financially.

Helen Baker is a licensed Australian financial adviser and author. 

Note: This is general advice only and you should seek advice specific to your circumstances.

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I have always been a major proponent of income protection insurance, writes Helen Baker. The security it offers can see you through hard times. An ability to earn is your greatest asset; when that is on the line, so is everything else. But changes to insurance laws are set to seriously disadvantage people, especially women.

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Your income protection won’t stretch that far" ["alias"]=> string(56) "stood-down-your-income-protection-won-t-stretch-that-far" ["introtext"]=> string(450) "

Anyone who has been stood down or retrenched in this downturn is unlikely to have the type of income protection that would see them compensated for their loss, a lawyer has warned while still touting the benefits of the insurance type.

Write comment (0 Comments) " ["fulltext"]=> string(2865) "

Slater and Gordon’s Sarah Snowden is a superannuation state practice group leader who has flagged income protection “as an important type of insurance” despite conceding that just a third of working Australians actually have the insurance”.

With more people staying at home due to COVID-19, the lawyer said many have found the time to review their superannuation memberships and entitlements, and the law firm has seen an increase in income protection enquiries as a result.

She commented that this has resulted in people identifying potential entitlements that they didn’t know they had: “For those that are off work due to COVID-19 illness, they may have an entitlement subject to the waiting period on their policy.”

In addition, “for those not injured in a motor vehicle or workplace accident (where statutory schemes such at Workers’ Compensation or Motor Vehicle Accident schemes don’t apply), and they become ill and cannot work, having this type of insurance can enable them to focus on their health and recovery without the additional financial burden”.

However, even where individuals do have income protection, Ms Snowden warned that “many do not have a sufficient level to protect their current financial obligations”.

In addition, “anyone who has been stood down or retrenched is unlikely to have the type of income protection needed for these scenarios”.

For anyone who is wanting to check in with their super fund provider to enquire about what is included in their superannuation and what they are protected from, if they are protected at all, Ms Snowden said that even barring current changes to work patterns, “obtaining the relevant information on insurance benefits for our clients has been an efficient process, despite super fund employees working from home”.

She said for the most part, “the communication coming from the majority of industry super funds has been great”.

“There are exceptions to this, and we generally face greater difficulty with retail super funds and claims being dealt with directly by an insurer,” the lawyer continued.

“The hurdle for us has been dealing with those funds and their insurers that have not adapted their processes and technology capabilities to accommodate the current circumstances of their members. For example, some are still wanting original documents or certified ID, which is difficult, particularly for those members that are extremely unwell and considered high risk when it comes to COVID-19,” she outlined.

nestegg has previously asked the question: Will my income protection insurance cover COVID-19? 

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Learn the best strategies in investing and options like cryptocurrency, bonds, mutual funds, property and stock market." ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2020-04-21 02:28:55" ["slug"]=> string(62) "15002:stood-down-your-income-protection-won-t-stretch-that-far" ["parent_slug"]=> string(16) "284:invest-money" ["catslug"]=> string(13) "311:insurance" ["event"]=> object(stdClass)#4502 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(0) "" ["afterDisplayContent"]=> string(0) "" } ["text"]=> string(450) "

Anyone who has been stood down or retrenched in this downturn is unlikely to have the type of income protection that would see them compensated for their loss, a lawyer has warned while still touting the benefits of the insurance type.

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Frontline workers looking to purchase life insurance can be assured they won’t be excluded from coverage due to potential or actual exposure to the COVID-19 virus.

Write comment (0 Comments) " ["fulltext"]=> string(1718) "

The Australian Competition and Consumer Commission (ACCC) has granted interim authorisation to the Financial Services Council (FSC) and its members to work together in a way that means exposure to COVID-19 can’t be used as a reason to decline life insurance coverage to a frontline health worker.

Similarly, they cannot charge higher premiums or apply risk exclusions to any new policy.

According to the consumer watchdog, the commitment applies to workers, including, but not limited to, doctors, nurses and all hospital workers; ambulance workers and paramedics; people working at GP surgeries or clinics; people working on COVD-19 vaccines; pharmacists; police; aged care workers and volunteers supporting people with COVID-19.

ACCC chair Rod Sims has acknowledged it as “a stressful time for everyone, but especially those working at the frontline of our response to the COVID-19 pandemic”.

“It’s sadly understandable that such workers may consider life insurance coverage at this time.”

He strongly encourages everyone looking to purchase life insurance to first check the cover they may have under existing policies and through their superannuation fund.

“We see a clear public interest in allowing FSC members to work together to provide a consistent, clear and fair approach to people performing critical work during this pandemic,” Mr Sims said.

“The authorisation does not include co-ordination on pricing, meaning customers should still shop around,” he did concede.

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Frontline workers looking to purchase life insurance can be assured they won’t be excluded from coverage due to potential or actual exposure to the COVID-19 virus.

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A number of private health insurers will be co-operating to better protect policyholders impacted by COVID-19 by way of broader insurance coverage and financial relief for impacted customers.

Write comment (0 Comments) " ["fulltext"]=> string(1844) "

The Australian Competition and Consumer Commission (ACCC) has granted interim authorisation to a number of insurers to do so, after it received an application from Private Healthcare Australia (PHA) Members Health Fund Alliance and members of both groups.

PHA is the Australian private health insurance industry’s peak representative body, representing 24 registered funds. Members include: Australian Unity, BUPA Australia, CUA Health, Defence Health, HBF Health, HCF, Medibank Private, nib and Teachers Health fund.

While the interim authorisation is “conditional” on details being provided to the ACCC in advance, the watchdog has said it will see insurance coverage broadened to include COVID-19 treatment, telehealth consultations and medical treatment provided at home.

ACCC chair Rod Sims commented that the provision of financial relief for policyholders during the pandemic “is an important and welcome measure”.

“We are also pleased to see moves to cover telehealth consultations so that policyholders can still safely consult health professionals.”

The interim authorisation excludes agreements to increase premiums and specifies that any agreements that are reached must terminate when authorisation is no longer given.

Mr Sims said this is because of the watchdog’s concern that “there is a risk that some of the proposed arrangements may have a long-term anticompetitive effect, especially as this authorisation covers a majority of private health insurers”.

“We have imposed conditions on this authorisation to help minimise this risk by preventing insurers from coordinating to increase premiums, and ensuring agreements entered into under the authorisation cannot last longer than necessary because of the COVID-19 pandemic,” he outlined.

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A number of private health insurers will be co-operating to better protect policyholders impacted by COVID-19 by way of broader insurance coverage and financial relief for impacted customers.

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["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#4519 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4272 (3) { ["data":protected]=> object(stdClass)#4275 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4274 (3) { ["data":protected]=> object(stdClass)#4277 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#4516 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4276 (3) { ["data":protected]=> object(stdClass)#4279 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4278 (3) { ["data":protected]=> object(stdClass)#4281 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#4517 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4280 (3) { ["data":protected]=> object(stdClass)#4283 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4282 (3) { ["data":protected]=> object(stdClass)#4285 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#4512 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4284 (3) { ["data":protected]=> object(stdClass)#4290 (1) { ["options"]=> object(stdClass)#4288 (2) { ["options0"]=> object(stdClass)#4287 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#4289 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4286 (3) { ["data":protected]=> object(stdClass)#4292 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#4515 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4291 (3) { ["data":protected]=> object(stdClass)#4294 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4293 (3) { ["data":protected]=> object(stdClass)#4296 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#4525 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#4295 (3) { ["data":protected]=> object(stdClass)#4298 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#4297 (3) { ["data":protected]=> object(stdClass)#4300 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(70) "/invest-money/insurance/health-insurers-want-to-offer-financial-relief" ["image"]=> string(42) "images/article-826x550/hospital-bed-ne.jpg" ["image_alt"]=> string(46) "Health insurers want to offer financial relief" } }