PARTIAL DISABILITY BRIDGING BENEFIT
19 We will pay You a Partial Disability Bridging Benefit if: • You have been receiving a Total Disability Benefit under this Policy ; and • the Life Assured is no longer Totally Disabled ; and • based on the information provided to, and requested by Us , We reasonably expect that a Partial Disability Benefit (as set out in Section C) will be payable for that Life Assured for the first month after the Life Assured ceased to be Totally Disabled . The Partial Disability Bridging Benefit is a lump-sum payment equivalent to 1/3rd (33.3%) of the final monthly Total Disability Benefit paid before the Life Assured ceased to be Totally Disabled . The Partial Disability Bridging Benefit is paid at the end of the final month in respect of which a Total Disability Benefit was claimed for by the Life Assured . Payment of the Partial Disability Bridging Benefit does not affect the amount of the Partial Disability Benefit (as set out in Section C) and does not affect the amount of the Enhanced Partial Disability Income Benefit (as set out in Section C). The Partial Disability Bridging Benefit is payable once for all claims resulting from the same or a related injury or illness. The Partial Disability Bridging Benefit is not payable where a lump sum payment has been made in lieu of monthly benefit payments, as set out in Section C. 20 We will pay You an Enhanced Partial Disability Income Benefit if: • the Life Assured has been receiving a Total Disability Benefit under this Policy ; and • the Life Assured is no longer Totally Disabled ; and • the Life Assured is entitled to a Partial Disability Benefit as set out in Section C for that Life Assured . The Enhanced Partial Disability Income Benefit is the lower of: • 25% of the monthly Partial Disability Benefit as calculated in Section C; or • 1/12th of the Benefit amount shown in the schedule less the monthly Partial Disability Benefit as calculated in Section C. This Benefit is paid monthly in arrears for a maximum period of twelve (12) months per claim. We will cease paying this Benefit if the Life Assured is no longer entitled to a Partial Disability Benefit .
ENHANCED PARTIAL DISABILITY INCOME BENEFIT
PC-MIRC- 05/2026
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