A person who is not engaged in remunerated work or business activities, for 10 hours or more a week. This definition does not include a person on leave without pay, parental, study, long service or sabbatical leave.
unemployed
waiting period
The period stated as such in the schedule for which no Loss of Earnings Benefit is payable.
Voluntary leave without pay, approved by the employer, and where the life assured has the employer’s agreement to return to the same role within 12 months or less.
work sabbatical
1109 AL-LOE version 5 Effective 12 May 2026
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