In respect of Group Life insurance a claim for total and permanent disablement requires a two-stage analysis. Because of the doctrine of privity of contract there may be an issue as to whether a beneficiary under the Groug scheme is entitled to claim damages for breach of duty of good faith and fair dealing Stage 1 of the analysis relates to the issue of the olicy's condition for satisfaction of insurer to support a claim, and particularly whether the insurer’s determination was reasonable and fair. There may be a sub-issue as to inconsistency between plaintiff’s history and contemporaneous evidence. Stage 2 then relates to the issue whether the claimant'scondition comes within the policy definition of 'totally and permanently disabled'. Burke v Metlife Insurance Ltd [2019] NSWSC 177.