Page 4 - Axicom Salary Continuance Insurance - Executives

What is Total Disability? • disabled for the balance of the waiting period, and

You will be considered ‘Totally Disabled’ and receive the • continuously disabled since the end of the waiting
monthly benefit during the payment period if, due to period
injury or sickness, you are:

• unable to perform your Own occupation; and When do benefit payments start?
• not otherwise gainfully employed; and A ‘Waiting Period’ occurs before payments commence.

• under the regular care, following the advice of a This is the number of consecutive days for which an
doctor in relation to the illness or injury claimed insured member must be disabled, before the Total or
Partial Disability Benefit is payable.

What is Partial Disability? The Waiting Period applicable to this policy is 30 days. It
generally starts on the date that you obtain medical advice
You will be considered ‘Partially Disabled’ and receive a and are confirmed to have a ‘Total/Partial Disability’ by a
proportion of the monthly benefit during the payment doctor. During the waiting period, you are able to utilise
period if due to injury or sickness, you are: sick leave, annual leave or accrued long service leave.

• totally disabled for at least seven days out of the first
12 consecutive days of the waiting period