My daughter has had a TPD benefit paid by the insurance company to the super fund. The super fund took it upon themselves to disburse the money immediately into the very high risk areas she had her super money invested in when she was younger when she obviously had more time to ride out the waves of the fluctuating stock markets. She has now LOST money because of this whilst we are waiting for the trustee to make their decision. We thought the money was being kept safe until they made their decision. Isn't it the trustee's duty to protect my daughter? And why didn't they contact her to ask her first so the money could be kept safe in cash before she draws on in shortly when the decision is made. It seems to me like they gambled with her T&PD payout, and there is also the spread between application price and redemption price which mean it was at a loss immediately. Given these uncertain financial times and that we have seen huge daily losses that can happen at any time, did they breach their duty of care? She can never work again and this money was certainly not to be risked. What can we do about this?