8. What is the Enhanced Partial Disability Income Benefit and when will AIA pay it? AIA will pay you an Enhanced Partial Disability Income Benefit if: > you have been receiving a Total Disability Income Benefit under this appendix ; and
business, other than passive income such as investment income, rental income or income earned by the business which cannot be attributed to the active involvement of the life assured . > The life assured’s sick leave payments, subject to a maximum of 10 days’ sick leave payments for all claims resulting from the same or a related disability. If you have chosen the Premier Cover Option then the life assured’s sick leave payments are not included in offsets.
> the life assured is no longer totally disabled ; and
> you are entitled to a Partial Disability Income Benefit as set out in Section 4 for that life assured . The Enhanced Partial Disability Income Benefit is the lower of: > 25% of the monthly Partial Disability Income Benefit as calculated in Section 6; or > 1/12 th of the benefit amount shown in the schedule less the monthly Partial Disability Income Benefit as calculated in Section 6. This benefit is paid monthly in arrears for a maximum period of 12 months per claim. AIA will cease paying this benefit if you are no longer entitled to a Partial Disability Income Benefit for the life assured .
For example:
Pre-disability income
$5,000 per month
Benefit amount shown in the schedule
$45,000 per annum ($3,750 per month)
Offsets
$4,000 per month
Calculation:
Greater of:
(1/12 x $45,000) less offsets = $3,750 - $4,000 = -$250 per month (no benefit payable); or ($5,000 - $4,000) x 75% = $1,000 x 75% = $750 per month;
9.
What is the Recurrent Disablement Benefit?
Subject to a maximum of: (1/12 x $45,000) = $3,750
Therefore, the amount payable in this example is $750 per month ($9,000 per annum).
The waiting period will be waived if not later than 12 months after the benefit payments related to the original claim ceased, the life assured becomes disabled again and, in AIA’s opinion, after considering the advice of a registered medical practitioner and other relevant information, this is caused by the same or a related illness or injury as the original period of total or partial disablement . The provisions of Sections 1, 2, 3, 4, 5 and 6 of this appendix will apply to any benefit claimed. If the benefit payment period is one, two or five years, all claims resulting from the same or a related illness or injury will be considered to be the same claim in respect of the benefit payment period .
7.
What is the Partial Disability Bridging Benefit and when will AIA pay it?
AIA will pay you a Partial Disability Bridging Benefit if:
> you have been receiving a Total Disability Income Benefit under this appendix ; and
> the life assured is no longer totally disabled ; and
> based on the information provided to, and requested by AIA , we reasonably expect that a Partial Disability Income Benefit (as set out in Section 4) will be payable for that life assured for the first month after the life assured ceased to be totally disabled. The Partial Disability Bridging Benefit is a lump-sum payment equivalent to 1/3 rd (33.3%) of the final monthly Total Disability Income Benefit paid before the life assured ceased to be totally disabled. The Partial Disability Bridging Benefit is paid at the end of the final month in respect of which a Total Disability Income Benefit was paid for the life assured. Payment of the Partial Disability Bridging Benefit does not affect the amount of the Partial Disability Income Benefit (as set out in Section 6) and does not affect the amount of the Enhanced Partial Disability Income Benefit (as set out in Section 8). The Partial Disability Bridging Benefit is payable once for all claims resulting from the same or a related injury or illness. The Partial Disability Bridging Benefit is not payable where a lump sum payment has been made in lieu of monthly benefit payments, as set out in Section 1.
10.
What is the Optional Claim Indexation Benefit?
The Optional Claim Indexation Benefit applies only if “CPI Linked” is specified in the schedule . Where the Optional Claim Indexation Benefit is selected, the Loss of Earnings Benefit sum assured shown in the schedule will increase at the start of each policy year by an amount we determine with reference to the annual percentage increase in the consumers price index , subject to any maximum benefit amounts allowable under the benefit. If the consumers price index falls in any year, the Loss of Earnings Benefit sum assured will not decrease.
11.
Rehabilitation and Support
On receiving notification of a new or potential claim, we will appoint the life assured a Case Manager, who will work with the life assured to understand their personal situation and
1109 AL-LOE version 5 Effective 12 May 2026
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