Sanlam Disability Cover

Call Centre: 0860 SANLAM / 0860 726526
General Enquiries: +27 (0)21 947 9111 Website: www.sanlam.co.za

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Confidence Rule 27

Having the right support
can help you through the unthinkable.

Sanlam Disability Cover
Get financial support

No one wants to think about suffering a disability, let alone the realities of living with one. But if you do become disabled – permanently or temporarily – your life changes completely. As well as the emotional impact on you and your loved ones, there is added financial pressure to cover the costs of missed work days, rehabilitation, home alterations, and more.

If you have to learn to live with the unthinkable, Sanlam Disability Cover can give you the financial support you need.

About disability cover

Why do you need disability cover?

Disability cover is a core need and an essential benefit in your life insurance portfolio. It protects you against the risk of permanently losing your income if you suffer an illness or injury, and covers the extra costs of living with an impairment*, even if you’re still able to work.

Our disability cover includes occupational disability as well as a comprehensive list of impairment events. It pays a lump sum amount, giving you financial support when you need it most so you can live with confidence.

_{*Certain physical disabilities or illnesses that affect your lifestyle, even if you can still work.} Call me back

Feature Focus

Sanlam Disability Cover offers these value-added features**

_{**Availability will depend on the benefit you choose.}

Temporary Incapacity Cover

Most lump sum disability benefits only cover you for permanent inability to work. However, with this feature, we also protect you against the risk of events that may damage your health, not necessarily permanently, but will leave you unable to work for an extended period. We pay 10% of the cover amount without proof of loss of income – a first in the market.

Extended Occupational Disability Cover

Another first in the market, this feature provides occupational cover for up to 12 months in the event that you stop working for reasons other than retirement, such as retrenchment or if you take a sabbatical.

Prosthesis Booster

This provides an additional percentage payout for certain claim events, to enable you to regain as much of your independence as possible.

Built-in Child Cover

You get a 10% payout in the event that your child falls seriously ill or is seriously injured and you need to take time off from work to care for them.

Boosted payouts

Payouts are boosted to 100% of the cover amount for certain impairment events.

Built-in Future Cover for Young Lives

Young people purchasing occupational disability cover can apply for an equivalent amount of life cover, before the age of 35, on certain life events, such as getting married or starting a family. This life cover does not require medical questions or tests, simply a declaration of good health. Certain terms and conditions apply.

Benefit add-ons

All our disability benefits can provide lifelong cover, giving you peace of mind that you can also be covered during retirement.

Given the rise in psychological conditions like dementia, the Sanlam Protector Umbrella Trust option provides upfront consent for claims to be paid into the Sanlam Protector Umbrella Trust, in the event that you have lost your legal capacity to act at the time of a claim. This ensures that the funds are used in your best interest if you are unable to make your own financial decisions.

Accidental benefits

Our comprehensive range of accidental benefits provides cover for injuries or disabilities sustained in an accident. These benefits can be applied for without you needing to answer any questions about your health or undergoing any medical tests.

Live with confidence

For more information about Sanlam Disability Cover and how it can help you live with confidence, download the brochure.

Download the brochure

Living with disability

What’s it like
living with a disability?

14 years ago, Darren had to learn to live with the unthinkable. So did his loved ones. Learning to live with a disability requires a great deal of support, both personal and financial. With Sanlam Disability Cover, you can be confident that you and your loved ones can have the financial support you need.

Watch now

Learning to walk

Fabian lost his leg in an accident. After months of therapy, he’s learning to walk. Again.

Watch now

Learning to read

Samantha lost her eyesight to illness. After months of learning, she’s starting to read. Again.

Watch now

Speak to an expert

Navigating life and all its decisions can sometimes be daunting. You can do it on your own if you want to, or you can rely on one of Sanlam’s expert financial advisers to ensure you get the right financial advice.

Speak to an adviser