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Occupational Disability Cover


There are two distinct benefits offered for Occupational Disability:

Capital Disability
Capital Disability pays you a lump sum if you are unable to do your day to day job. This is available as an accelerated and non-accelerated option (Capital Disability Plus). The difference between Capital Disability and Capital Disability Plus is that Capital Disability is taken as part of your Life Cover, and claiming on this reduces the Life Cover sum assured. Whereas the Capital Disability Plus is taken in addition to your Life Cover, claiming on this benefit does not affect the Life Cover sum assured.

Income Disability
Income Disability pays you a monthly income if you are unable to perform your occupational duties. This benefit is paid if you are permanently or temporarily disabled. This is only available as a non-accelerated benefit, which means it can only be taken in addition to your Life Cover, and claiming on this benefit does not reduce your Life Cover sum assured.

There are two types of occupational disability which you need to discuss with your representative:

  1. Own occupation disability (OOD), which is cover for your own current job – the benefit is payable if you cannot do your specific job. For example, if you are a surgeon and suffer from an injury, then this benefit will be paid even if you have the experience and training to become a lecturer.
  2. Own or reasonable occupation disability (OD), which is cover for your own or similar job – the benefit will only be paid if you are unable to perform your job or any reasonable job. So, using the example above, if the surgeon has the experience and training to be a lecturer, but is unable to perform this role because of the disability, then the claim will be paid.

If you are interested in getting Occupational Disability Cover simply contact us or call us on 076 012 7077 for further assistance.

 

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