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Personal Insurance:: Income Protection Plan Plus

We also offer a product called Income Protection Plan Plus, which includes all the benefits offered under the basic contract (IPP), plus the following:

• Rehabilitation Benefit - provides for extra benefits if you participate in an approved rehabilitation course.
• Bed Confinement Option - provides for benefit payments to start from day one when you are confined to bed under the care of a registered nurse.
• Overseas Assistance Benefit - if you are disabled outside Australia, the expenses of your return to Australia are paid.
• Family Support Benefit - if an immediate family member stops work to care for you or a registered nurse is hired, this benefit can assist.
• Housekeeper Benefit - if you are disabled and need a housekeeper, again the costs can be covered.
• Accommodation Benefit - if you are bed confined more than 100 kilometres from home, the costs of an immediate family member staying nearby can be covered.
• Job Security Benefit - once times the benefit amount paid to your employer when you return to work.
• Return to Work Benefit - additional payments when you return to work, and continue in that work.
• Involuntary Unemployment Benefit - if you're the policy owner and life insured and you become involuntarily unemployed, we will waive premiums for up to three months.

In addition you have access to a number of benefit options:

• Increasing Claim Option - increases the benefit amount in line with inflation whilst you are on claim.
• Retirement Protection Option - you can cover up to an extra 10% of your earnings to ensure your retirement funding continues whilst you are disabled.
• Disability Plus Option - again, you have access to additional cover - up to 50% of your earnings so that your lifestyle will be better protected if you suffer a severe disability.
• Day One Accident Option - if an injury causes total disability for at least 3 consecutive days, benefit payments start from the date the injury occurred..
• Scheduled Illness Option - lump sum benefit equal to six times the monthly benefit payable on diagnosis of a listed Crisis Event.

Personal :: Business Expense Plan

• Total and Partial Disability Benefits - the full benefit amount or a proportion of it will be paid if you are totally unable to work or only partially able to work.
• Payment Extension Benefit - the 12 month benefit period may be extended for up to 12 months if full benefit entitlements have not been used
• Lease Extension Benefit - if lease costs continue beyond the end of the benefit period, an extension of up to a further 6 months can be provided.
• Loss of Profits Benefit - if you return to work full-time but profits are still below the pre-disability level, some of the short fall can be covered for up to 12 months.