SECTION C - FARMERS REVENUE PROTECTION COVER BENEFITS
TOTAL DISABILITY BENEFIT
1
If the Life Assured is Totally Disabled , We will pay, following the Waiting Period , the monthly Benefit for such period as the Life Assured remains Totally Disabled up to the Benefit Period or until the Life Assured is no longer Totally Disabled , whichever is the sooner. This is a monthly Benefit payable in advance subject to receipt of a progress report completed by the Life Assured and a Medical Practitioner . Successive periods of Total Disability resulting from the same or related cause within twelve (12) months of resuming work shall be considered a continuation of the same Total Disability and no Waiting Period shall apply. Such periods of recurrent Total Disability shall be added to the original Total Disability period for the purposes of applying the Benefit Period . During a period of Total Disability or Recurrent Disability for which a monthly Benefit is being paid, all Premiums due will be waived by Us . If the Life Assured takes a period of leave without pay from his/her regularly remunerated occupation, You may elect to: A Suspend cover and the payment of Total Premiums for a maximum of twelve (12) months provided You have given Us prior notice and obtained Our approval. We will resume cover without requiring evidence of health for any insured person when the requested suspension period expires. Once cover is reinstated, Total Premiums must recommence. B We will not pay any Benefits under this Policy in respect of any event that occurs while cover is suspended. Please note that the Premium Rates are not guaranteed and are subject to review from time to time. The Premium will be determined by the Premium Rates in effect at that time. The Farmers Revenue Protection Cover Benefit may be renewed up to the anniversary of the Policy Commencement Date following the Life Assured attaining age sixty-five (65) as per the Policy Schedule , regardless of changes in the health or occupation of the Life Assured . No Benefits shall be paid if the Life Assured is working less than thirty (30) hours per week at the time of making a claim. No Benefits shall be paid under this Policy if the injury or sickness resulting in Total Disability directly or indirectly was caused by or resulted from: A Intentionally self-inflicted injury whether the Life Assured is sane or insane. B Participation in any Criminal Act . C Pregnancy, childbirth, abortion or miscarriage unless the Total Disability lasts for more than ninety (90) days after the end of the pregnancy, at which time the Waiting Period will commence. D Any injury, sickness, or related condition in respect of which twenty four (24) months of the Benefit has already been paid.
RECURRENT DISABILITY BENEFIT
2
WAIVER OF PREMIUM
3
LEAVE WITHOUT PAY
4
PREMIUM
5
RENEWAL
6
EXCLUSIONS
7
BCP-FRP-05/2019
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