Living without the assistance of an adult; and
chosen calculation (A) in Section 6; or
not working in any gainful occupation or engaged in voluntary work.
75% of the life assured’s pre-disability income , if you have chosen calculation (B) in Section 6.
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4.
When will AIA pay a Partial Disability Income Benefit?
6.
What is the amount of the Partial Disability Income Benefit?
AIA will pay a Partial Disability Income Benefit if, in AIA’s opinion, at any time during the benefit term , the life assured : > is in an occupation class other than occupation class five at the time of becoming totally disabled or partially disabled ; and > has been partially disabled during the waiting period, and is partially disabled at the end of the waiting period ; or > becomes partially disabled , following a period of receiving a Total Disability Income Benefit under this appendix and the life assured is no longer totally disabled , provided: − the period in respect of which a Total Disability Income Benefit has been paid in advance has expired; and/or − where a lump sum payment has been made in lieu of monthly benefit payments as set out in Section 1, the benefit period to which the lump sum corresponds has expired. We will pay you the Partial Disability Income Benefit monthly in arrears until the earlier of the following: > in AIA’s opinion, after considering the advice of a registered medical practitioner and other relevant information, the disability is no longer preventing the life assured from earning at least: − 75% of (1/12 th of the benefit amount shown in the schedule ) / 0.55 (if you have chosen calculation (A) in Section 6); or − 75% of pre-disability income (if you have chosen calculation (B) in Section 6); or
The amount that AIA will pay monthly is either Calculation (A) or Calculation (B), as set out below. You must select either Calculation (A) or Calculation (B) before AIA will pay you a Partial Disability Income Benefit. You can change your selection by writing to AIA , provided that AIA receives your written notification within 90 days of the date that the life assured became partially disabled . You can only change your selection once per claim. Any change to the amount of your Partial Disability Income Benefit will commence from the date AIA receives your written notification.
Calculation (A)
> 1/12 th of the benefit amount shown in the schedule less (75% x post-disability income ) less offsets shown below. For calculation (A), post-disability income is before income tax, must have resulted from the life assured being actively involved in or actively carrying on business and excludes passive income such as investment or rental income.
For example:
Post-disability income
$1,500 per month
Benefit amount shown in the schedule
$33,000 per annum
1/12 th of the benefit amount shown in the schedule
$2,750 per month
Offsets ( ACC entitlements for the same disability)
$1,000 per month
> the end of the benefit payment period .
Calculation: = $2,750 – (75% x $1,500) less offsets = $2,750 – $1,125 – $1,000
A Partial Disability Bridging Benefit (as set out in Section 7) will also be paid if you have been receiving a Total Disability Income Benefit under this appendix before you commence receiving a Partial Disability Income Benefit.
= $625 per month ($7,500 per annum)
5.
What does partially disabled mean?
OR
In AIA’s opinion, the life assured is partially disabled, if as a direct result of sickness or injury he or she: > has a reduction in earning capacity resulting from the continuation of the disability; and > because of the reduction in earning capacity, the life assured :
Calculation (B)
1/12 th of the benefit amount shown in the schedule x (( pre- disability income less post-disability income ) ÷ pre-disability income ) less offsets shown below. For calculation (B), pre-disability income and post-disability income are before income tax. If the life assured was on parental leave for 12 months or less or on a work sabbatical when the life assured became totally disabled , then pre- disability income will be based on the life assured’s income immediately before the life assured went on leave, as set out in Section 32 “Key Terms”.
is unable to work for more than 75% of their average weekly pre-disability hours; or
−
earns less than:
−
75% of (1/12 th of the benefit amount shown in the schedule ) / 0.55 if you have
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1108 AL-IP version 5 Effective 12 May 2026
Page 3 of 12
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