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.
Group Insurance Disability Benefits
Disability 2.0
Disability 2.0 is a revolutionary solution that better meets our clients’ needs. It is more affordable and benefits are relative to employees’ net income.
Disability 2.0 brochure
Cash Assistance Benefit brochure
Disability 2.0 technical guide
Essential Disability Benefit
Point-to-point Transport Service
Income Disability Benefit
It pays a monthly amount to the disabled employee, which is essential while they are unable to work and earn an income.
Cash Assistance Benefit brochure (pdf)
Income Disability Benefit brochure (pdf)
What you need to know about your disability benefit (pdf)
Lump Sum Disability Benefit
It pays a single amount when an employee is totally and permanently disabled.
Lump Sum Disability Benefit brochure
Riskflex Benefit
(Lump Sum Disability)
Employees can increase or decrease their level of cover for the Lump Sum Disability Benefit to suit their personal circumstances.
Riskflex Benefit brochure
Temporary Income Disability Benefit
A short-term solution that pays a monthly income to a disabled employee for a specified number of months.
Temporary Income Disability Benefit brochure
Accidental Disability Benefit
This benefit is paid when your employee loses a part of their body or the use of a part of their body as a result of an accident.
Accidental Disability Benefit brochure
What you need to know about your accidental disability benefit (pdf)
Functional Disability Benefit
A pre-defined table is used to measure the employee’s level of disability objectively.
Functional Disability Benefit brochure
Other Group Insurance Benefits
Group Insurance resources
Contact Group Insurance
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