Alternatively, the life assured is unlikely to ever be able to perform again, at least one of the Activities of Daily Living which, together with a reduction in the life assured’s intellectual capacity, means that the life assured will likely always require full-time care .
The period stated as such in the schedule for which no Loss of Earnings Benefit is payable.
waiting period
work sabbatical
Voluntary leave without pay, approved by the employer, and where the life assured has the employer’s agreement to return to the same role within 12 months or less.
Activities of Daily Living are:
> Bathing and showering.
you/your
The 'Policy Owner' named in the schedule.
> Dressing and undressing.
> Eating and drinking.
> Using a toilet.
> Moving from place to place by walking, in a wheelchair or with a walking aid.
An individual, employer, company, partnership, association, organisation or trust.
person
pre-disability income
The average monthly income during a continuous 12 month period chosen by the life assured from the 36 months immediately before the disablement date . However, if the life assured becomes totally disabled or partially disabled when the life assured has been on parental leave for 12 months or less or on a work sabbatical , then the pre- disability income is the average monthly income during a continuous 12 month period chosen by the life assured from the 36 months immediately before the life assured went on leave.
Sovereign policies
Any policy or policies where Sovereign is the insurer.
totally disabled/ total disablement
See Section 3 of this appendix for the meanings of these key terms.
unemployed
A person who is not engaged in remunerated work or business activities, for 10 hours or more a week. This definition does not include a person on leave without pay, parental, study, long service or sabbatical leave.
819 TCP-LOE version 9 Effective 12 May 2026
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