> The life assured’s sick leave payments, subject to a maximum of 10 days’ sick leave payments for all claims resulting from the same or a related disability.
lump sum payment has been made in lieu of monthly benefit payments, as set out in Section 1.
7.
What is the Enhanced Partial Disability Income Benefit and when will Sovereign pay it?
If you have chosen the Premier Cover Option then the life assured’s sick leave payments are not included in offsets.
For example:
Sovereign will pay you an Enhanced Partial Disability Income Benefit if:
Pre-disability income
$5,000 per month
Benefit amount shown in the schedule
$45,000 per annum ($3,750 per month)
> you have been receiving a Total Disability Income Benefit under this appendix ; and
Offsets
$4,000 per month
> the life assured is no longer totally disabled ; and
Calculation:
> you are entitled to a Partial Disability Income Benefit as set out in Section 4 for that life assured.
Greater of:
The Enhanced Partial Disability Income Benefit is the lower of:
(1/12 x $45,000) less offsets = $3,750 - $4,000 = -$250 per month (no benefit payable); or
> 25% of the monthly Partial Disability Income Benefit as calculated in Section 5; or
($5,000 - $4,000) x 75% = $1,000 x 75% = $750 per month;
> 1/12 th of the benefit amount shown in the schedule less the monthly Partial Disability Income Benefit as calculated in Section 5.
Subject to a maximum of: (1/12 x $45,000) = $3,750
Therefore, the amount payable in this example is $750 per month ($9,000 per annum).
This benefit is paid monthly in arrears for a maximum period of 12 months per claim.
6.
What is the Partial Disability Bridging Benefit and when will Sovereign pay it?
Sovereign will cease paying this benefit if you are no longer entitled to a Partial Disability Income Benefit for the life assured.
Sovereign will pay you a Partial Disability Bridging Benefit if:
> you have been receiving a Total Disability Income Benefit under this appendix ; and
8.
What is the Recurrent Disablement Benefit?
> the life assured is no longer totally disabled ; and
The waiting period will be waived if not later than 12 months after the benefit payments related to the original claim ceased, the life assured becomes disabled again and, in Sovereign’s opinion, after considering the advice of a registered medical practitioner and other relevant information, this is caused by the same or a related illness or injury as the original period of total disablement or partial disablement. The provisions of Sections 1, 2, 3, 4 and 5 of this appendix will apply to any benefit claimed. If the benefit payment period is one, two or five years, all claims resulting from the same or a related illness or injury will be considered to be the same claim in respect of the benefit payment period .
> based on the information provided to, and requested by Sovereign, we reasonably expect that a Partial Disability Income Benefit (as set out in Section 4) will be payable for that life assured for the first month after the life assured ceased to be totally disabled. The Partial Disability Bridging Benefit is a lump-sum payment equivalent to 1/3 rd (33.3%) of the final monthly Total Disability Income Benefit paid before the life assured ceased to be totally disabled. The Partial Disability Bridging Benefit is paid at the end of the final month in respect of which a Total Disability Income Benefit was paid for the life assured. Payment of the Partial Disability Bridging Benefit does not affect the amount of the Partial Disability Income Benefit (as set out in Section 5) and does not affect the amount of the Enhanced Partial Disability Income Benefit (as set out in Section 7).
9.
What is the Optional Claim Indexation Benefit?
The Optional Claim Indexation Benefit applies only if “CPI Linked” is specified in the schedule .
The Partial Disability Bridging Benefit is payable once for all claims resulting from the same or a related injury or illness.
Where the Optional Claim Indexation Benefit is selected, the Loss of Earnings Benefit sum assured shown in the schedule will increase on each anniversary date , by the same
The Partial Disability Bridging Benefit is not payable where a
819 TCP-LOE version 9 Effective 12 May 2026
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