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Sanlam Disability Insurance provides you with the peace of mind that your family’s expenses, as well as your own, will be covered so that you can maintain your standard of living if you were to become injured or disabled, either temporarily or permanently.
Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.
Why choose Sanlam Disability Cover.
Get quoted, buy online and get a free Wealth Bonus.
How to submit your claim.
Expert financial advice at your fingertips.
Sanlam's Disability Insurance solutions offer maximum choice and flexibility. Should you become disabled, the lump-sum payout can be used for day-to-day expenses, therapies, and any home alterations required to make living with a disability easier on you and your loved ones.
The amount of insurance you require will depend on your personal needs, which you can determine in minutes using Sanlam Indie – plus you can buy life and disability cover online in minutes. Alternatively, if you would like to structure your life insurance to suit your current life stage, you can speak to a financial adviser about Matrix Express Cover and Matrix Premier Cover.
With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes.
Even better, every Sanlam Indie policy comes with a free built-in Wealth Bonus.
Whether you know exactly what you want, or need help working out a comprehensive Life and Disability Insurance plan, we’ll guide you every step of the way.
We've got your back if you become permanently disabled and are unable to do your current job at the time of your disability.
You’re also covered if you're a full-time student when you become disabled, and are permanently unable to fulfil the demands of the occupation you’re preparing for, taking into account your education, training, and experience.
Whether you can still work or not, you'll be covered for total, permanent and irrecoverable loss of:
If you become disabled and can’t work, you receive a tax-free, one-off payout. The amount will depend on the cover you’ve chosen.
Most people choose to have at least R350,000 of disability cover, but opt for about six months of income (after tax but before other deductions) if that’s higher.
The Sanlam Indie calculator will help you work out how much cover you need in just minutes.
Sanlam Indie lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus. Read more here.
Get any Sanlam Indie policy and we’ll match up to 100% of your monthly premium in an investment - at no extra cost.
Your Wealth Bonus grows with your premiums and with the market. Over the years, those contributions really add up and so does the growth. You can access 10% of it every five years, and all of it (including years of growth) at 70. You can learn everything you need to know on the Wealth Bonus page.
Protect yourself against the risk of losing your ability to earn an income due to illness or injury and against the cost of living with a disability even if you can still work.
Sanlam’s Matrix Disability Cover offers the most comprehensive lump sum disability cover in the market, offering you the financial support when you need it most.
All our disability benefits have whole life options and are also available as “accidental-only” versions, which means you can get cover for accidental events only.
With our Sanlam Protector Umbrella Trust option you can provide upfront consent for claims to be paid into the Sanlam Protector Umbrella Trust should you not possess the legal capacity to act at the time of a claim - a much-needed solution given the rise of dementia*.
Your premium is determined by your age and risk profile when you take out the cover. To find out how much you’ll pay contact a financial adviser.
Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the
Sanlam Reality website.
Occupational disability cover protects you against the risk of losing your ability to earn an income due to illness or injury. If you are covered for occupational disability, you will receive a payment should you become disabled to the extent that you are totally and permanently unable to do your job.
Our benefits also include Extended Occupational Disability cover. This means that if you were to stop working for reasons other than retirement, like taking a sabbatical or if you’re retrenched, you will continue to have cover for occupational disability for up to 12 months from the date that you stopped working.
Under the Sanlam Matrix offering you will also be covered against the cost of living with a permanent disability even if you can still work. A comprehensive range of events is covered, grouped into the following categories:
While other lump sum disability benefits in the market only pay on permanent disability, various benefits in our range include cover for temporary incapacity.
If you are injured due to an accident and are unable to work for three months or longer, this feature will pay 10% of the cover amount. There are no waiting periods for claims due to accidents.
For non-accidental causes of incapacity the feature will pay 10% of the cover amount if you suffer from certain illnesses that, after a waiting period, leave you unable to work for two months or longer.
In both instances your inability to work will be assessed against the Official Disability Guidelines (ODG). The ODG is an objective international publication containing independent evidence-based return-to-work treatment guidelines.
Sanlam’s Elite Disability benefit is our top of the range disability benefit. It is exclusively available on our Matrix Premier offering. This benefit includes the following unique features, in addition to those already mentioned:
The Sanlam Protector Umbrella Trust can take care of you when you cannot take care of yourself.
By law we are not allowed to pay a claim directly to clients who have lost their legal capacity to act. The family or legal representatives of such clients need to go to the High Court for an Administrator or Curator Bonis to be appointed. This can take as long as 13 months and the average cost to do this is around R50 000. This delay in payment often happens when the money is needed most to provide for you and your family.
If you have provided consent for the Sanlam Protector Umbrella Trust, we will in the above instances make the payout to the mentioned Trust instead, where the funds will be managed on your behalf.
The administration of the Trust will be subject to fees as determined by Sanlam Trust. The Trust Deed and information on the Trust administration is available at Sanlam Trust.
Let us contact you with an obligation-free quote.
Life happens, and it pays to be prepared. Sanlam’s wide range of comprehensive insurance products is aimed at helping you ensure your financial responsibilities are taken care of, even when you’re no longer able to do so yourself.