other than total disability , unless AIA has been notified in writing and its written consent has been given for the continuation of the appendix . > If the farming business is wound-up or liquidated or the farm is sold or its lease ends, unless AIA has been notified in writing and its written consent has been given for the continuation of the appendix . However, if the life assured is on claim and the reason for the farming business being wound-up or liquidated is due to the total disability or partial disability of the life assured , the benefit will remain in force until the end of the benefit payment period .
arising from the same or related illness or injury.
disability/disabled
The illness or injury giving rise to the claim for total disability or partial disability.
disablement date
The date the life assured became totally disabled or partially disabled .
farm
The area where the farming occurs.
farming
Owning, leasing or managing the farm and/or animals and actively raising the animals for commercial purposes including sharemilking . ‘Managing’ may include an actively involved family member who has no direct ownership of the farm but has clear rights of succession or beneficial ownership in relation to it. See Section 6 of this appendix for the meaning of this key term. Partial disability has a corresponding meaning. An individual, employer, company, partnership, association, organisation or trust. The provision of services under a Sharemilking Agreement as defined by the Sharemilking Agreements Act 1937 and any of its subsequent amendments including any replacement Act and/or Regulations.
> When the benefit is cancelled by the policy owner .
16. Exclusions – When AIA won ’ t pay a benefit AIA will not pay a benefit where any of the following directly or indirectly cause or contribute to the total disability or partial 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.
partially disabled
person
>
The life assured does not comply with the treatment recommended by the attending treatment providers.
s haremilking
>
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.
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.
See Section 4 of this appendix for the meaning of this key term.
totally disabled
Total disability has a corresponding meaning
17. Key terms
waiting period
The period stated as such in the schedule for which no Total Disablement Benefit or Optional Partial Disablement Benefit is payable.
actively involved
Farming for more than 30 hours per week in or on the farm .
benefit term
The term for which the life assured is insured for the Rural Continuity Benefit as stated in the schedule. The maximum term for which the Rural Continuity Benefit is payable as stated in the schedule. The benefit payment period commences at the end of the waiting period and ceases either 6, 12 or 24 months (whichever is stated in the schedule ) later or when the life assured reaches the end of the benefit term as stated in the schedule , whichever is the earlier. The 6, 12 or 24 month period (whichever is stated in the schedule ) is the total period for all claims
benefit payment period
1159 ALB-RC version 4 Effective 08 April 2022
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