No one wants to think about suffering a disability, let alone the realities of living with one. But when you become disabled – permanently or temporarily – your life changes completely. In addition to the emotional impact on yourself and loved ones, there is the added financial pressure to cover the costs of missed work days, treatment, home alterations, and more.
Why do you need disability cover?
Disability cover is a core need and an essential benefit in your risk portfolio. It protects you and your loved ones against the risk of losing the ability to earn an income due to illness or injury, and covers the extra costs of living with an impairment, even if you’re still able to work.
That's why our Sanlam Disability Cover benefits cover occupational disability as well as a comprehensive list of impairment events, offering you financial support when you need it most.
Extended Occupational Disability Cover
A first in the market, this feature offers up to 12 months protection in the case that you stop working for reasons other than retirement, such as retrenchment or a sabbatical.
Temporary Incapacity Cover for Accidental and Non-accidental Causes
Get protection against the risk of health events that are not necessarily permanent, but will leave you unable to work for an extended period. We pay 10% of the cover amount without proof of loss of income – another first in the market.
An additional percentage payout for certain claim events to enable you to regain as much of your independence as possible.
Built-in Child Cover
Income protection in the event that your child falls ill or is seriously injured.
A 100% payout boost afforded to various impairment events.
Built-in Future Cover for Young Lives
Young lives purchasing standalone occupational disability have the option to apply for an equivalent amount of life cover before the age of 35 on certain life events. Life cover will be free of medical underwriting or will simply require a declaration of good health.
All benefits are available with a Whole Life option, providing value cover in retirement for proper peace of mind. Given the rise of 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 you have lost your legal capacity to act at the time of a claim.
We also have a comprehensive range of accidental benefits available, offering cover for injuries or disabilities incurred in an accident.
*Availability will depend on the benefit you choose.
For more information on Sanlam Disability Cover, download the brochure.
No one wants to think about suffering a disability, let alone the realities of living with one. But thetruth is, when you become disabled - permanently or temporarily - your life changes completely. Inaddition to the emotional impact on yourself and loved ones, there is added financial pressure tocover the costs of missed work days, treatment, home alterations, and more.
At Sanlam, we understand this. That’s why Sanlam Disability Cover is designed to offer you thefinancial support you need to keep life going.
From just R100 per month, Sanlam Disability Cover gives you:
For more on Sanlam Disability Cover, download the brochure.
A father takes his first steps, again.
A family learns to read together.
Find out more about our new and improved Sanlam Disability Benefit.
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The ‘minimum entry age’ means the minimum age that you can be covered. The entry age can be as low as 14, but will depend on the premium pattern you choose for your policy.
The ‘maximum entry age’ means the maximum age that you can be to take out the cover. There are 2 cover options:
Cover can range from as low as R50 000 to as high as R6 000 000. The cover amount will be subject to financial underwriting.
The Sanlam Cancer Benefit provides very comprehensive cancer cover – 66 claim events covering cancers, tumours, leukaemias and lymphomas. This includes three catchall claim events for further peace of mind and 15 early cancer claim events.
The premium will depend on the amount of cover you choose, as well as your individual rating details, for example, age, gender, smoker status, medical history, and so forth.
It will also depend on the manner in which your benefit is structured. Speak to a financial planner who can help you with a quote based on your specific cover need and details.
Cancer cover doesn’t replace your medical aid or gap cover, but can supplement these if you’re diagnosed with cancer, as well as help with the hidden costs, such as transportation to and from treatment, family and living expenses, caregiving/at-home-care, alternative treatment options, and so forth.
You do not qualify for cancer cover if you currently have cancer. However, if you’re in remission, it may be possible to obtain cover depending on factors like the type of cancer, staging of the cancer and the period in remission.
No general waiting period applies for cancer cover, but a survival period of 14 days applies.
You can only take the Cancer Benefit for yourself or your spouse. If you want to cover your children for cancer, you can consider the Sanlam Child Illness and Injury benefit, which covers a wide range of diseases and injuries, including cancer. This benefit is available from their 1st birthday.
Speak to your financial planner today or contact us. To get advice from one of our qualified financial planners, call us on +27 86 072 6526, or leave your number and we will call you back.