The insurer decides if you are totally disabled and will get a benefit. You will need to supply the insurer with medical evidence of your disablement. If the insurer needs more information, it can arrange for you to be examined by its own medical advisers. It will meet the cost of this.

SuperLife’s insurance policy gives the legal definition of "totally disabled". The main features are:

  • You are sick or injured
  • You have been away sick or injured for the whole of the "waiting period"
  • A qualified doctor is in charge of your treatment
  • The insurance company considers that: 
    • For office workers, “travellers” and technicians: 
      • You can’t do your own job;
    • For light & heavy manual workers, trades and hazardous
      occupations:
      • During the first two years, you can't do your own job;
      • After the first two years, you are incapacitated to the extent that you are unlikely to work in a job for which you are reasonably qualified by education, training or experience.

 

Once the insurer has determined that you are disabled:

  • SuperLife will start paying your benefit monthly in arrears.
  • The insurer will increase the amount each year in line with increases in the cost of living (CPI) to a maximum of 5% a year.

You must keep paying for your insurance premiums during the "waiting period" you have chosen. If you are not getting paid by your employer, the cost can be rolled up and come out of the first month's benefit payment (if you get better and go back to work, that cost can then come out of your pay). You can also use money that you have in your SuperLife savings voluntary account to pay those costs.

 

When will the benefit stop?

The benefit will stop before the end of the “benefit period” or when you are no longer "totally disabled" whichever happens first. You are classified as no longer “totally disabled” when:

  • you start working again; or
  • a qualified doctor is no longer looking after you; or
  • the insurer, based on medical evidence, concludes that you are no longer disabled; or
  • you die

The insurance company offers a special deal to encourage you back to work. If you go back to your original employer but can't earn as much (because of your disability) your benefit won't stop. It will be reduced by the proportion that your new lower pay bears to your old higher pay. This special deal is called a "recovery benefit". It could last for up to two years (but not past the end of your benefit period).