Group Insurance
Disability Benefits
When illness or injury keeps staff off work, we keep paying their income.
Why this cover
Protection that fits your life
Disability Benefits replace a portion of an employee's income when a long-term illness or injury prevents them from working, protecting both the individual and reducing employer obligations under extended sick leave.
Who this is for
Employers who want comprehensive workforce protection beyond basic funeral and life cover.
Cover details
What this cover includes
Income replacement up to 75% of monthly salary
Waiting period options of 3 or 6 months
Covers both accident and illness
Benefit ceases on recovery, retirement, or end of benefit term
Benefits
Why our clients choose this cover
Protects employees from financial devastation during recovery
Reduces employer sick-pay liability
Simple integration with existing payroll processes
Benefit terms aligned to employee retirement age