SECTION C - NEW TO BUSINESS 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 (as defined in Clause 5 “Benefit Period” under Section D below) 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 . This option is only available to You if it is shown in the Policy Schedule . We will pay a Partial Disability Benefit if the Life Assured is Partially Disabled (as defined in Clause 2 under Section D below) and the Waiting Period has elapsed. The amount payable under this 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 . Calculation: % = 1 - (hours worked while Partially Disabled / hours worked on average in the three months prior to Total Disability ). 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 (3) 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 . To allow Us to accurately assess the ongoing validity of a Partial Disability claim, the Partial Disability benefit will be paid monthly in arrears until the Life Assured is no longer Partially Disabled .
RECURRENT DISABILITY BENEFIT
2
OPTIONAL PARTIAL DISABILITY BENEFIT
3
BCP-NBC-05/2019
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