Disability benefits
If one of your employees becomes disabled, it will significantly impact them and their family. An employee who becomes disabled may face not having 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 but lower-paid 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.
Group Insurance disability benefits
Disability cover to suit the unique needs of your employees and what you can afford.
Income disability benefit
We pay a monthly amount to the disabled employee. This creates some financial stability for them and their family, which is essential while they are unable to work or earn an income. We also offer additional benefit options that meet a claimant’s specific needs.
- Monthly
Disability 2.0
This revolutionary benefit better meets your needs. It is a more affordable benefit with the same relative benefit amount for all members.
- Monthly
- Lump sum benefit
- Critical illness
- Travel
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.
Group Insurance disability benefits
Disability 2.0
This revolutionary benefit better meets your needs. It is a more affordable benefit with the same relative benefit amount for all members.
Income disability benefit
We pay a monthly amount to the disabled employee. This creates some financial stability for them and their family, which is essential while they are unable to work or earn an income. We also offer additional benefit options that meet a claimant’s specific needs.
Lump sum death benefit
It pays a lump sum amount to your employee’s beneficiaries if they pass away. This benefit provides essential financial protection for their families and beneficiaries in their time of need.
Riskflex benefit (lump sum disability)
This benefit allows employees to increase or decrease their level of cover for the lump sum disability benefit to suit their personal circumstances.
Temporary income disability benefit
We pay a monthly income to a disabled employee for a specified number of months. It provides a short-term solution for employees who are unable to work, by replacing a portion of their income for a limited period.
Accidental disability benefit
We pay this benefit when the member loses a part of their body or the use of a part of their body following an accident.
Functional disability benefit
Provides an alternative to traditional lump sum disability benefits. The functional disability benefit uses a pre-defined table to objectively measure the employee’s level of disability.
