ABI is a term that is applied to any type of brain damage occurring after birth, and can include damage sustained from infection, disease, prolonged alcohol or drug abuse, lack of oxygen or even a blow to the head.

Furthermore, it is more common than one would think.  According to the ABS, over 700,000 Australians have a brain injury that incurs daily activity limitations, and participation restrictions.  Frighteningly, of these 700,000, approx. 3 out 4 are aged 65 or younger, with almost two thirds of that being acquired before the age of 25.Three quarters of those with ABIs, are Male.

Causes of acquired brain injury (ABI):

As mentioned above, acquired brain injury is any damage to the brain that happens after birth. The specific symptoms or losses of functioning will depend on which areas of the brain are affected.

Some of the causes may include:

  • Alcohol or drugs – which can poison the brain
  • Disease – such as AIDS, Alzheimer’s disease, cancer, multiple sclerosis or Parkinson’s disease
  • Lack of oxygen – called anoxic brain injury (for example, injury caused by a near drowning)
  • Physical injury – such as an impact (or blow) to the head, which may occur in vehicle or sporting accidents, fights or falls
  • Stroke – when a blood vessel inside the brain breaks or is blocked, destroying the local brain tissue

Traumatic brain injury:

Traumatic brain injury (TBI) is not the same as head injury, since a person can sustain damage to the face, scalp and skull without necessarily injuring their brain. TBI is considered a form of acquired brain injury, and refers to brain damage caused by an impact to the head.

When the head is struck hard, the brain slams against the inside of the skull, causing physical injuries such as bruising, swelling, bleeding, twisting or tearing of tissue. There are degrees of injury, ranging from a momentary loss of consciousness (which can happen from a punch to the face, for example) to a long-term bout of unconsciousness or coma.

Types of treatment for brain injury:

A range of tests, including x-rays and CT brain scans, can help pinpoint the exact areas of damage. In some cases, surgery may be needed. Recovery depends on the extent and location of the brain damage, the age and general health of the person, the speed of first aid received and the quality of treatment.

The consequences of a person having an ABI are far reaching. Coping with any loss of functioning and going through rehabilitation can be difficult. The person with an ABI will have great distress. Family, friends and partners will also experience difficulties as they deal with emotional and practical challenges, interruptions to family life and role changes.

An ABI can affect intimate relationships, friendships, and social networks, recreational and vocational activities. It may force the person and their immediate family to adapt to a completely new way of life and new kinds of relationships.

What about Wealth Protection?!

When we think about accidents, we think of potential fatalities or damage to the body.  The mind though, is something that can be ironically enough, forgotten about.  As you can see from the above, if an ABI can be suffered from simply falling off a ladder or being in a car accident, this could restrict the individual’s capacity to continue working.  IP and TPD are obvious safeguards, not to mention Trauma.

How can we help you as our client 

By making sure that you understand what insurance coverage you do or don’t have, we, as your trusted adviser can ensure you have the best protection plan in place to protect you and your families.


McQueen Financial Group is a corporate authorised representative of Total Financial Solutions Limited. AFSL No. 224 954, ABN 94 003 771 579. This information is of a general nature only and does not consider your investment objectives, financial situation or particular needs. You should not act on any information in this report without first consulting a professional investment adviser in order to ascertain whether the information and any investment decision is appropriate. This information is believed to be accurate however no warranty of accuracy or reliability is given in relation to any advice or information contained, and neither TFSA or its Representatives and officers, agents or employees of either of the aforementioned shall not be held liable for any loss or damage whatsoever arising in any way for any representation, act or omission, whether express or implied (including responsibility to any persons by reason of negligence).