Page 4 - AS Harrison & Co Salary Continuance Insurance

What is Total Disability? How long are benefits payable?

You will be considered ‘Totally Disabled’ and receive Payable while you continue to be Totally or Partially
the monthly benefit during the payment period if, Disabled or up to the expiry of the “Benefit Period”,
due to injury or sickness, you are: whichever occurs first. The Benefit Period under this
Plan is to age 65.
• unable to perform your own occupation; and
• not otherwise gainfully employed; and
How much is payable via the benefit?
• under the regular care, following the advice of a
doctor in relation to the illness or injury claimed 75% of monthly base salary (plus a 9.5% employer
superannuation contribution benefit for eligible
participants) paid after a 90 day wait to age 65 up to
What is Partial Disability? the Automatic Acceptance Limit (AAL) of $10,000 per

You will be considered ‘Partially Disabled’ and month ($120,000 per annum).
receive a proportion of the monthly benefit during Note: As this is an employee benefit, increasing your
the payment period if due to injury or sickness, cover beyond the AAL through this group policy is
you are: not possible. However you can apply to “top up”
• totally disabled for at least seven days out of the your cover via an individual policy as relevant.
first 12 consecutive days of the waiting period
• disabled for the balance of the waiting period, Is there anything else that will reduce the benefit
and I receive?
• continuously disabled since the end of the A benefit payment will be reduced by any amounts
waiting period payable from the following:

• workers compensation
When do benefit payments start? • statutory compensation, pension, social security

A ‘Waiting Period’ occurs before payments or similar schemes
commence. This is the number of consecutive days • income benefits from other insurance policies or
for which an insured member must be disabled, superannuation
before the Total or Partial Disability Benefit is
payable. • sick leave entitlements
The Waiting Period applicable to this policy is 90
days. The waiting period commences on the date of What happens if a recurrence of the same injury or
disablement. During the waiting period, you are able sickness is suffered?
to utilise sick leave, annual leave or accrued long If a disability recurs within six months of the
service leave. employee going back to work full time, the disability
will be treated as a continuation of the original
disability. No new Waiting Period applies, a claim can
be made as soon as the disability recurs. The cause
must be the same or related to the cause of the
original Disability.

04 | A S Harrison & Co