Page 6 - Harrison Manufacturing Salary Continuance Insurance

POLICY FEATURES

If an insured member dies while a disability benefit is being paid, we will pay you
DEATH BENEFIT
an amount up to three times the monthly benefit.

If an insured member suffers a specific injury within 180 days of the event which
SPECIFIC INJURY caused it, we will pay you the monthly benefit regardless of whether the insured
BENEFIT member is totally disabled. Benefits commence immediately upon the insured
member being diagnosed with the specific injury and continue for the nominated
payment period.
If the insured member suffers a relapse of the injury or illness that caused the in-
RECURRING sured member to obtain a disability benefit within six months of the claim ending,
DISABLEMENT no further waiting period will apply and disability benefits will continue up to the
end of the benefit period.

EARLY
NOTIFICATION If we are notified of a claim within 30 days of the event which causes the claim, we
INCENTIVE will pay you an amount equal to 25% of the first month’s disability benefit.
BENEFIT

EMERGENCY If an insured member requires emergency transport within Australia to hospital
DOMESTIC while in receipt of a Total Disability Benefit, we will reimburse the expenses incurred
TRAVEL BENEFIT for emergency transportation of the insured member up to $1,000.

WORLDWIDE Cover is provided worldwide, although some restrictions apply if the insured mem-
COVER ber is not an Australian resident and is working overseas (see below).

COVER DURING We provide cover for a maximum period of two years if the insured member is on
PAID AND UNPAID
LEAVE paid or unpaid leave.

COVER WHILE We automatically cover Australian residents working overseas for their partici-
WORKING OUT- pating employer for any length of time. Insured members who are not Australian
SIDE AUSTRALIA residents are covered for up to three years while working overseas.

EXTENDED We will provide cover for up to a maximum of 60 days if an insured member ceas-
COVER es to satisfy the eligibility criteria.

If an insured member’s cover ends because they cease to satisfy the eligibility
CONTINUATION criteria, they may be able to apply to us for an individual policy providing disability
OPTION
benefits without medical underwriting.

06 | Harrison Manufacturing