OPTIONAL PARTIAL DISABILITY BENEFIT
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This option is only available to You if it is shown in the Policy Schedule . Only Lives Assured in occupation classes 1-3 are entitled to the Optional Partial Disability Benefit. The Optional Partial Disability Benefit will be paid, if while this Policy is in force, a Life Assured becomes disabled and then returns to work at a reduced capacity (that is the hours worked per week while partially disabled are less than 75% of the hours worked per week in the three months immediately prior to being Totally Disabled as a result of the same disability) and We have accepted the claim. To allow Us to accurately assess the ongoing validity of a partial disability claim, the partial disability benefit will be paid monthly in arrears from the end of the Waiting Period until the Life Assured is no longer partially disabled. The amount payable under the Optional Partial Disability Benefit will be a percentage of the monthly Sum Assured as shown in the Policy Schedule . The percentage is the number of hours per week that the Life Assured is able to work while partially disabled as a percentage of the average number of hours that the Life Assured worked in the 3 months immediately prior to becoming Totally Disabled . The Life Assureds work capacity while partially disabled is determined by Us on the basis of medical certification or demonstrated ability acceptable to Us . For example, if the Life Assured is able to work 20 hours per week while partially disabled and was working 40 hours per week on average in the three months immediately prior to becoming Totally Disabled then the percentage payment will be 50% of the monthly Sum Assured as shown in the Policy Schedule . Calculation: % = 1 - (hours worked while partially disabled / hours worked on average in the three months prior to Total Disability ). The Business Continuation 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 .
RENEWAL
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BCP-BCC- 05/2019
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