31.
Key terms
original claim and the new claim will be considered to be the same claim in respect of the benefit payment period . > No monthly benefit payments will be payable retrospectively for any period of time before the date that the life assured subsequently complies with the relevant requirement(s).
actively engaged
Working an average of more than 30 hours per week in the six months prior to cancellation of Business Overheads, Business Continuity, Rural Continuity or Locum Cover. Undertaking any activity carried on for the production of income from selling goods or performing services.
29.
When will this appendix terminate for a life assured ?
actively trading
This appendix will terminate and eligibility for the Loss of Earnings Benefit will cease for a life assured : > At the expiry of the benefit term as shown in the schedule .
Activities of Daily Living
Activities of Daily Living are:
> When the life assured dies.
> Bathing and showering.
> When the benefit is cancelled.
> Dressing and undressing.
> Eating and drinking.
30.
Exclusions – When AIA won’t pay a benefit
> Using a toilet.
> Moving from place to place by walking, in a wheelchair or with a walking aid.
AIA will not pay any of the benefits listed in this appendix where any of the following directly or indirectly cause or contribute to the disability: > The life assured deliberately injures himself or herself or attempts to do so. > The life assured engages in or is part of any conduct that is criminal. > Pregnancy of, or childbirth by, the life assured , unless the disability lasts for more than 90 days after the end of pregnancy, in which case the waiting period will start from the 91 st day. > The life assured does not comply with the treatment recommended by the attending treatment providers. If the life assured is imprisoned or sentenced to home detention for any reason, no monthly benefit will be payable during the term of imprisonment or home detention.
benefit term
The term for which the life assured is insured for the Loss of Earnings Benefit as stated in the schedule . The maximum term for which the Loss of Earnings Benefit is payable as stated in the schedule . For benefit payment periods of one, two or five years: a) the benefit payment period commences at the end of the waiting period and ceases either one year, two years or five years (whichever is stated in the schedule ) later or when the life assured turns age 65, whichever is earlier; and b) the one year, two year or five year period (whichever is stated in the schedule ) is the total period for which benefits will be payable for all claims arising from the same or a related illness or injury.
benefit payment period
disablement date
The date the life assured became totally disabled or partially disabled .
Care for 16 hours per day or more, provided by a nursing
full-time care
1109 AL-LOE version 5 Effective 12 May 2026
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