14.
What is the Bed Confinement Benefit and when will AIA pay it?
assist them with the claims process. They will work with the life assured to consider what rehabilitation or functional support could assist the life assured’s return to work or improve their capacity to work, either during or after the waiting period as appropriate in the opinion of AIA . Acceptance of any costs associated with the agreed rehabilitation and functional support by AIA does not mean that we will accept liability for any other benefit under this appendix .
If, at any time during the waiting period the life assured is confined to bed under full-time care for more than three days and is in an occupation class other than five, then AIA will pay a Bed Confinement Benefit for each complete 24 hour period after the first 72 hours of bed confinement. This benefit will be a daily benefit equivalent to 1/365 th of the benefit amount shown in the schedule , which you would be entitled to if the life assured was totally disabled and the waiting period was over. AIA will continue to pay the benefit until the waiting period is over, or until the life assured is no longer confined to bed under full-time care , whichever is the earlier. If you have chosen the Premier Cover Option and at any time during the waiting period the life assured is confined to bed under full-time care for more than three days, then AIA will also pay the Bed Confinement Benefit for each complete 24 hour period within the first 72 hours of bed confinement.
12.
What is Vocational Assistance and when will AIA pay it?
AIA may agree to pay for vocational assistance for the life assured if, in AIA’s opinion, the life assured is unlikely to return to paid work in their pre-disability occupation without assistance. The Case Manager appointed to the life assured’s claim will work to understand their personal situation and consider what assistance could aid the life assured’s return to gainful employment at an earlier date than would otherwise be possible. In all cases: > the assistance must be approved in advance by AIA , and reviewed regularly; and > the life assured must actively participate and comply with the assistance as agreed with AIA ; and > the total amount which AIA will pay for any vocational assistance is limited to a maximum of 12 times the monthly benefit amount as calculated in Section 2, except if the benefit payment period is one, two or five years, where the total amount is limited to 6 times the monthly benefit amount as calculated in Section 2; and > the life assured must be receiving a Total Disability Income Benefit or Partial Disability Income Benefit when the assistance begins. Any benefit which AIA may agree to pay is to be reduced by any vocational assistance costs you or the life assured recover, or are entitled to recover, from any other source
15.
Home Care Benefit
If the life assured is totally disabled , AIA will pay a Home Care Benefit monthly in arrears in addition to the Total Disability Income Benefit. The Home Care Benefit is a payment for the services of the person providing care to the life assured and is payable to the person providing care, not the policy owner named in the schedule. The person providing the care will not be acting as an employee, contractor or agent of AIA . A registered medical practitioner must certify that the life assured requires full-time care at home or in a hospital because of the life assured’s disability.
The full-time care must be provided by either:
> a person whose profession it is to provide nursing or similar services; or > a direct family member who is in paid work for at least 28 hours per week immediately before the life assured became totally disabled and who has given up that work to care for the life assured . The amount of the Home Care Benefit each month will be the lowest of:
13. What is the Home Modification or
Equipment Expenses Benefit and when will AIA pay it? AIA may agree to pay you an additional lump sum payment of up to 12 times the monthly benefit amount calculated in Section 2. This payment is to cover the costs of buying specialised equipment or completing home alterations that, because of the life assured’s total disability , have become necessary, in AIA’s opinion after considering the recommendation of an occupational therapist or an appropriate specialist approved by AIA . You must apply in writing to AIA before incurring these costs. Any benefit that AIA may agree to pay for the specialised equipment or home alterations will be reduced by any costs of buying specialised equipment or completing home alterations you or the life assured recover, or are entitled to recover from any other source.
> 1/12 th of the benefit amount shown in the schedule ; or
> $2,500; or
> the cost of the care, if it is provided by a person whose profession it is to provide nursing or similar services; or > if the care is provided by a direct family member, 75% of the pre-tax income we determine that family member has lost because he or she has given up work to care for the life assured . Where the Home Care Benefit is payable for an incomplete month, payment will be at the rate of 1/30 th (one-thirtieth) of the monthly amount per day. The Home Care Benefit starts from the expiry of the first 3 successive days of the life assured receiving full-time care and ends when:
1109 AL-LOE version 5 Effective 12 May 2026
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