> a person whose profession it is to provide nursing or similar services; or
> you notify Sovereign within three months of one of the above listed suspension events occurring and provide evidence to Sovereign of the suspension event; and
> a direct family member who is in paid work for at least 28 hours per week immediately before the life assured became totally disabled and who has given up that work to care for the life assured.
> Sovereign acknowledges in writing receipt of that notification.
Cover for the life assured will be suspended from the date set out in Sovereign’s written acknowledgment.
The amount of the Home Care Benefit each month will be the lowest of:
No premium will be payable during the period that the cover is suspended.
> 1/12 th of the benefit amount shown in the schedule ; or
> $2,500; or
No claim under the Disability Income Protection Benefit appendix will be payable during, or for any disability that occurs during, the period that the cover is suspended. A claim may only be payable if the life assured first meets the criteria for an eligible claim under the policy after their cover is reinstated. Cover under this Disability Income Protection Benefit appendix may be reinstated at the end of the suspension period in accordance with this Section without the need to provide further medical evidence, provided that the benefit has been suspended for no longer than 12 months.
> the cost of the care, if it is provided by a person whose profession it is to provide nursing or similar services; or
> if the care is provided by a direct family member, 75% of the pre-tax income we determine that family member has lost because he or she has given up work to care for the life assured. Where the Home Care Benefit is payable for an incomplete month, payment will be at the rate of 1/30 th (one-thirtieth) of the monthly amount per day. The Home Care Benefit starts from the expiry of the first 3 successive days of the life assured receiving full-time care and ends when:
At the end of the suspension period, the benefit will be automatically reinstated for the life assured.
Cover for the life assured will be reinstated from the date set out in Sovereign’s written acknowledgement.
> a registered medical practitioner no longer certifies that full-time care is required; or
The premium payable for the reinstated benefit will be based on Sovereign’s premium rates at the time of the reinstatement. If the life assured becomes entitled to a Total Disability Income Benefit or a Partial Disability Income Benefit within 12 months following the reinstatement of cover under this Disability Income Protection Benefit appendix , then the amount of benefit payable will be calculated using Section 2 or Section 5 (respectively) of this appendix , provided that the 12 month period used for calculating the life assured’s pre-disability income will be a combination of:
> we have paid the Home Care Benefit for 6 consecutive months; or
> the benefit payment period ends;
whichever comes first.
For any period where the life assured is entitled to a Permanent Disablement Benefit, the Home Care Benefit will not be payable.
15.
When can you suspend cover and when will Sovereign reinstate cover?
> the period from the date of reinstatement to the date of disablement ; and
A life assured can suspend their cover under this Disability Income Protection Benefit appendix for up to 12 months if they:
> the period immediately prior to the commencement of the suspension event that is needed to make up the balance of the 12 month period.
> go on parental leave;
16.
What is the Future Insurability Benefit?
> go on leave without pay for any reason;
> become unemployed or redundant;
The Future Insurability Benefit will only apply for a life assured if you have not selected the Claim Indexation Benefit (specified in the schedule as CPI linked) and the Disability Income Protection Benefit sum assured shown in the schedule for the life assured together with any previous Future Insurability Benefit increases for the life assured is less than $240,000 per annum. Future Insurability Benefit increases cannot be used to increase the Disability Income Protection Benefit sum assured to more than $240,000 per annum, or to be in excess of the agreed replacement ratio disclosed in your application.
> experience at least a 20% reduction in pay (comparing the most recent payslip against a previous payslip from the same year); or > if self-employed, experience a 30% reduction in revenue (by comparing one month’s revenue against the same month for the previous year),
provided that:
807 TCP-DI version 13 Effective 12 May 2026
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