A benefit will not be paid if:

  • you stopped paying premiums; or
  • you intentionally injure yourself; or
  • you stopped work due to pregnancy or childbirth (but a benefit may be payable if you cannot return to work due to complications from pregnancy or childbirth); or
  • your income ceased before you become ill or disabled; or
  • in some special circumstances - for example, there are particular provisions which apply in times of war