for that life assured for the first month after the life assured ceased to be totally disabled.
assured’s return to gainful employment at an earlier date than would otherwise be possible. In all cases: the assistance must be approved in advance by AIA , and reviewed regularly; and the life assured must actively participate and comply with the assistance as agreed with AIA ; and the total amount which AIA will pay for any vocational assistance is limited to a maximum of 12 times the monthly benefit amount as calculated in Section 2, except if the benefit payment period is two or five years, where the total amount is limited to 6 times the monthly benefit amount as calculated in Section 2; and the life assured must be receiving a Total Disability Income Benefit or Partial Disability Income Benefit when the assistance begins. Any benefit which AIA may agree to pay is to be reduced by any vocational assistance costs you or the life assured recover, or are entitled to recover, from any other source. 11. What is the Home Modification or Equipment Expenses Benefit and when will AIA pay it? AIA may agree to pay you an additional lump sum payment of up to 12 times the monthly benefit amount calculated in Section 2. This payment is to cover the cost of buying specialised equipment or completing home alterations that, because of the life assured’s total disablement, have become necessary, in AIA’s opinion after considering the recommendation of an occupational therapist or an appropriate specialist approved by AIA . You must apply in writing to AIA before incurring these costs. Any benefit that AIA may agree to pay for the specialised equipment or home alterations will be reduced by any costs of buying specialised equipment or completing home alterations you or the life assured recover, or are entitled to recover from any other source. 12. What is the Property Special Event Facility? The Mortgage, Income or Rent Cover Benefit sum assured for the life assured may be increased if one of the following property special events has occurred for the life assured :
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 6). The Partial Disability Bridging Benefit is payable once for all claims resulting from the same or a related injury or illness. The Partial Disability Bridging Benefit is not payable where a lump sum payment has been made in lieu of monthly benefit payments, as set out in Section 1.
8.
What is the Recurrent Disablement Benefit?
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 AIA’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 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 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 .
9.
Rehabilitation and Support
On receiving notification of a new or potential claim, we will appoint the life assured a Case Manager, who will work with the life assured to understand their personal situation and assist them with the claims process. They will work with the life assured to consider what rehabilitation or functional support could assist the life assured’s return to work or improve their capacity to work, either during or after the waiting period as appropriate in the opinion of AIA . Acceptance of any costs associated with the agreed rehabilitation and functional support by AIA does not mean that we will accept liability for any other benefit under this appendix . 10. What is Vocational Assistance and when will AIA pay it? AIA may agree to pay for vocational assistance for the life assured if, in AIA’s opinion, the life assured is unlikely to return to paid work in their pre-disability occupation without assistance. The Case Manager appointed to the life assured’s claim will work to understand their personal situation and consider what assistance could aid the life
an increase to an existing mortgage;
the purchase of a new home;
the purchase of a holiday home; or
the purchase of a bare block of land zoned as residential.
You do not need to produce any medical evidence regarding the life assured when you request this increase, but any property special event increase is subject to the following conditions: You must make the request in writing and provide AIA with suitable evidence of the occurrence of the property special event.
You must make the request within 6 months of the
1117 AL-MIRC version 1 Effective 31 July 2025
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