14. Exclusions – When Sovereign won’t pay a benefit Sovereign will not pay a benefit where any of the following directly or indirectly cause or contribute to the total disability or partial disability : > The life assured deliberately injures himself or herself or attempts to do so. > The life assured engages in or is part of any conduct that is criminal. > The life assured does not comply with the treatment recommended by the attending treatment providers. > Pregnancy of, or childbirth by, the life assured, unless the disability lasts for more than 90 days after the end of pregnancy, in which case the waiting period will start from the 91 st day. If the life assured is imprisoned for any reason, no monthly benefit will be payable during the term of imprisonment.
A n individual, employer, company, partnership, association, organisation or trust.
person
s haremilking
The provision of services under a Sharemilking Agreement as defined by the Sharemilking Agreements Act 1937 and any of its subsequent amendments including any replacement Act and/or Regulations.
See Section 4 of this appendix for the meanings of these key terms.
totally disabled / total disability
The period stated as such in the schedule for which no Total Disablement Benefit or Optional Partial Disablement Benefit is payable.
waiting period
The ‘Policy Owner’ named in the schedule .
you/your
15. Key terms
Farming for more than 30 hours per week in or on the farm .
actively involved
The term for which the life assured is insured for the Rural Continuity Benefit as stated in the schedule. The maximum term for which the Rural Continuity Benefit is payable as stated in the schedule. The benefit payment period commences at the end of the waiting period and ceases either 6, 12 or 24 months (whichever is stated in the schedule ) later or when the life assured reaches the end of the benefit term as stated in the schedule , whichever is the earlier. The 6, 12 or 24 month period (whichever is stated in the schedule ) is the total period for all claims arising from the same or related illness or injury. The illness or injury giving rise to the claim for total disability or partial disability.
benefit term
benefit payment
period
disability/disabled
The date the life assured became totally disabled .
disablement date
The area where the farming occurs.
farm
Owning or leasing the farm and/or animals and actively raising the animals for commercial purposes including sharemilking.
farming
See Section 5 of this appendix for the meaning of these key terms.
partially disabled / partial disability
864 TCB-RC version 4 Effective 21 May 2019
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