SECTION D - MORTGAGE INCOME AND RENT BENEFIT DEFINITIONS
TOTAL DISABILITY 1
Means a period of serious injury or sickness commencing when the Life Assured first received advice from a Medical Practitioner for that injury or sickness provided that: A The Life Assured is under the regular and personal care of a Medical Practitioner ; and B The Life Assured’s injury or sickness is supported by clinical evidence and approved by Us ; and C The Life Assured is unable to perform their occupation as the result of that injury or sickness; and D Inability to perform the Life Assureds’ occupation is defined by reference to the occupational class specified in the Policy Schedule as follows: Occupation Classes 1, 2, 3 & 4: Inability to follow their own occupation for more than ten (10) hours per week. We will arrange assessments with an appropriately qualified health professional if this situation occurs; or The Life Assured is unable to perform at least one important income producing duty of their own occupation; and The Life Assured is not working in any occupation other than up to ten (10) hours per week in their own occupation. Occupation Class 5: Confined under medical supervision to home or a medical institution and as a result of the disability unable to undertake three (3) or more of the following activities without assistance:
a. b. c. d. e.
washing and bathing dressing and undressing
eating
general household duties
climbing stairs
f.
shopping.
Totally Disabled has a corresponding meaning.
PARTIAL DISABILITY
2
Means a disability resulting from serious injury or sickness which results in the Life Assured having returned to work in a reduced capacity. The reduction in work capacity must be as a result of the continuation of the disability. The Partial Disability must be supported by an appropriate Diagnosis from a Medical Practitioner and evidence acceptable to Us and is subject to the following conditions: The hours worked by the Life Assured per week are less than 75% of the hours worked per week in the three (3) months immediately prior to the disability; and The Life Assured is under the regular and personal care of a Medical Practitioner ; and The Life Assured is not Totally Disabled . If the Policy Schedule states the Life Assured is occupation class 5 or if clause eight (8) of part C applies to the preceding period of Total Disability then no Partial Disability Benefit is payable. If the Life Assured is Totally Disabled and undertakes a programme of occupational retraining then, subject to written approval from Us , an additional lump-sum payment by way of reimbursement be made for the cost of this training up to a maximum of twelve (12) times the monthly Benefit .
A
B
C D
OCCUPATIONAL RETRAINING BENEFIT
3
PC-MIRC- 05/2026
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