Disability Benefits
An unexpected and life-changing disability can have a serious impact on an employee and their family. They may not receive an income if they are unable to work, or struggle to get by on a smaller income if forced to change to a less strenuous and lower-paying job.
- Receive the care they need to get back to work.
- Affordable disability insurance to suit your employees’ needs.
- Financial security for the employee and their family.
We offer three main income disability products
Disability cover to suit the unique needs of your employees and what you can afford.
Income Disability Benefit
Income Disability Benefit based on the employee’s gross insurance salary.
- Monthly income
Disability 2.0
Income Disability Benefit based on the employee’s estimated net insurance salary, and optional additional benefits.
- Monthly income
- Lump sum benefit available
- Critical illness top-up
- Travel assistance
Essential Disability Benefit
Temporary Income Disability Benefit and Lump Sum Disability Benefit, and optional additional benefits.
- Monthly income for fixed period
- Lump sum benefit at the end of the fixed period
- Critical illness top-up
- Travel assistance
Disability benefit terms and conditions
Group disability benefits offered by your employer help protect your financial future and give you peace of mind if a traumatic life event prevents you from earning an income. But, as with all insurance policies, there are some terms and conditions you should know.