LIBERTY HAS THE ANSWER ON THE REPORT, DISGUSTED BY THEIR OUTCOME

How much more info do you need Liberty? A Professors report detailing a life expectancy of 5 yrs with survival rate of 50% is not good enough for you? In your Confidential Medical report that was completed by Prof Van Zyl you ask under Cardiac Conditions: all tests and reports done, especially ejection fraction, it clearly states 38 - 43% on the report Poor long term prognosis Will the member be able to work again? He will most likely not be able to work again Part time NO Full Time NO

This prognosis was given by Prof Van Zyl, and my claim gets assessed by a person that has no title in front of their name making a life changing decision that carries more weight than a Professor? Not even mentioning Mr. or Mrs. but only Karabo Motsepa

Unilifebrokers has the audacity to send this e mail:

We refer to the disability claim of Mr. S.K. Neveling. Liberty has completed the assessment of the medical evidence submitted in support of the claim and has deferred their decision until April 2026. The assessor has requested an updated progress report in April 2026. It was noted that the member remains under the ongoing care of specialists for treatment optimisation. At present, the response to treatment and the permanency of the current symptoms cannot be determined. Further evaluation will be required as treatment progresses. Kind regards, Keith Culbert T: *** E: *** www.universallifebrokers.co.za 1 Susman Avenue, Blairgowrie, Randburg, Gauteng

Exertional Capacity

Exertional Capacity is defined as your ability to walk, stand, carry, push, pull and lift. Professor report states Significantly reduced. You expect me to work where I currently do 7000 steps a day, going up and down stairs, fetching vehicles, preparing vehicles, delivering vehicles?

I will not be bul**** by your system, a broker or Karabo, the facts are there, and I will not let you ***** 4 months of my life expectancy.