Additional Benefits for Indemnity and Agreed Value Options:
Recurring Disability Benefit
If you start to recover from your disability but then suffer a relapse, we’ll recommence payment of your Total Disability Benefit without a Qualifying Period. To receive this benefit you must become totally disabled again solely from the same or a related cause, within 52 weeks of returning to work in your full capacity or while being paid a recovery benefit. Any benefit payable will be treated as an extension of the original claim and limited to the benefit period.
Hospitalisation/Nursing Care Benefit
During the Qualifying period for a Total Disability Benefit, if you are hospitalized for more than three days up to a maximum of 90 days, we’ll help meet the added expense of hospitalization and full-time continuous nursing care if necessary
Rehabilitation Expenses Benefit
While we’re paying you a Total Disability Benefit we’ll also help meet approved costs of equipment or other expenses which you’ve reasonably incurred in your rehabilitation. To assist you in your recovery, we may require you to undertake rehabilitation recommended by a Medical Practitioner.
Vocational Training Benefit
While we’re paying you a Total Disability Benefit we’ll also help meet approved costs and other expenses which you’ve reasonably incurred for vocational training.
Specified Sicknesses Benefit
For certain specifies sicknesses, such as heart attack or stroke, you’ll receive payment for a minimum period (less the qualifying period) even if you’re able to return to work during that time.
Death Benefit
If you die while covered, we’ll pay a lump sum equal to 10 weeks of the Total Disability Benefit to your estate
Extended Leave Benefit
You can cease work for you to 12 months and continue to be covered (while you pay premiums) for parental leave, sabbatical leave, study leave or leave without pay.
Suspension of Cover Benefit
You can suspend your protection and premiums for up to 12 months if you cease work, go on parental leave, sabbatical leave, or leave without pay. If you want to resume cover, you need to return to work for at least 25 hours per week
Homecoming Costs Benefit
If you’re overseas when you become Totally Disabled, and you’re likely to remain Totally Disabled for at least 13 weeks, we’ll help you get back to New Zealand
Family Member’s Accommodation Benefit
If you become totally disabled for longer than the Qualifying Period, and you’re confined for treatment for more than 50 kilometres from home, we’ll help pay for an immediate family member to stay with you.
