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Skip Navigation LinksGroup Risk Benefits

Disability Insurance

Ensure that your employees are covered in the event of injury or disability.

Group Income Disability insurance products assist employees if an illness or injury prevents them from working for a prolonged period of time or fewer hours, and replaces lost income where an employee is unable to work or has to take a lower paid position as a result (i.e. long term occupational disablement)

Benefits

See what benefits are offered.

Additional Benefits

Consider these innovative additional benefits.

Claim Forms

Forms needed to submit a claim.

Disability Insurance Benefits

  • Lump Sum Disability insurance: payable on permanent disability.
  • Income Disability insurance: provides monthly income benefits against the loss of income if a member is unable to work due to disability.
  • Managed Income Disability insurance: provides monthly income benefits together with disability management that complies with both the stipulations and the spirit of the Labour Relations Act.
  • Critical Illness and Severe Illness Insurance: provides a lump sum pay-out on the diagnosis of a critical or severe illness as defined for the standard and comprehensive product solutions. Download the information sheet.

Additional Benefits

  • Salary Refund insurance: to claim the salary paid to a member during the waiting period if the disability income insurance claim was successful.
  • Medical Aid Premium Waiver-benefit: pays the medical aid premiums of the principal member, his/her spouse and children, including any medical savings premium (if applicable) during the initial period of disability.
  • Top-Up Disability insurance: provides a supplementary income of 25% of the member’s monthly salary (in addition to the standard 75%) when functionally disabled.

Claim Forms

Name of form Form code Download
Notification of Potential Disability Claim EBDC051 ENG
Claim for Lump sum Disability Benefit and/or Monthly Disability Income Benefit EB2878E ENG
Claim for Spouse Disability Benefit EB2877 ENG
Claim for Terminal Illness Benefit EBCL002E ENG
Claim for Severe/Critical Illness Benefit E2990 ENG
Medical Certificate: Proof of Continuation of Disability AE2298 ENG

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