Optional Children’s and Maternity Benefit (Section 14)
Built-in Children’s Trauma Benefit (Section 4)
90 day stand down period
Full payment
Partial payment
Major head trauma
✓
✓
✓
-
-
Meningitis
✓
✓
✓
-
-
Motor neurone disease
✓
✓
✓
-
-
Multiple sclerosis
✓
✓
✓
✓
-
Muscular dystrophy
✓
✓
✓
-
-
Peripheral neuropathy
✓
✓
✓
-
-
Stroke
✓
✓
✓
✓
-
Paralysis and loss of functionality
Diplegia
✓
✓
✓
-
-
Hemiplegia
✓
✓
✓
-
-
Loss of independent existence
✓
✓
✓
-
-
Paraplegia
✓
✓
✓
-
-
✓
✓
Permanent blindness
✓
✓
✓
(partial payment unavailable)
(partial payment unavailable)
✓
✓
Permanent loss of hearing
✓
✓
-
(partial payment unavailable)
(partial payment unavailable)
Permanent loss of speech
✓
✓
✓
-
-
✓
✓
Permanent loss of use of limbs
✓
✓
(partial payment unavailable)
(partial payment unavailable)
-
Quadriplegia / Tetraplegia
✓
✓
✓
-
-
Other key conditions
✓
✓
✓
Advanced AIDS
-
-
Advanced diabetes
✓
✓
✓
✓
-
Aplastic anaemia
✓
✓
✓
-
-
✓
✓
Chronic liver failure
✓
✓
✓
(partial payment unavailable)
(partial payment unavailable)
Chronic lung disease
✓
✓
✓
✓
-
Chronic renal failure
✓
✓
✓
-
-
Cognitive impairment
✓
✓
✓
-
-
HIV
✓
✓
✓
-
-
852 TCB-LAC version 19 Effective 12 May 2026
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