totally disabled
See Section 3 of this appendix for the meaning of this key term.
Total Disablement has a corresponding meaning.
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. The period stated as such in the schedule for which no Total Disability Income Benefit or Partial Disability Income Benefit is payable. 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.
waiting period
work sabbatical
1117 AL-MIRC version 1 Effective 31 July 2025
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