Every member of the Scheme is covered for permanent disability.

BENEFITS

A tax-free benefit, calculated according to the option selected will, depending on the medical condition of a member, either be paid out as a single lump sum or be paid over a period in monthly installments.

DEFINITION OF PERMANENT DISABILITY

First and foremost, a member must be totally and permanently disabled for a claim to be successful! A claim will only be approved by the insurer if the definition of total or permanent disability is met.

It is the member’s responsibility to prove his/her disability by providing the insurer with the relevant specialist medical proof of disability.

A member’s discharge from the Employer’s service must be recommended by a medical specialist. A normal GP’s (general practitioner’s) or doctor’s note will not be enough to lodge a successful claim with the insurer.

CLAIMS

All disability or potential disability claims must be reported to the Scheme, whose competent staff will assist the claimant with the claims process.

WHEN MUST A CLAIM BE SUBMITTED?

Claims must be submitted with the Scheme within 12 months from date of termination of service for it to be considered.

WHAT DOCUMENTS TO BRING

The Scheme will need the following documents in order to successfully process a disability claim:

  • Insurer’s claim form
  • Leave records
  • Specialist’s medical reports
  • X-rays and scans (if applicable)
  • Prescriptions
  • Member’s identity document and bank details
  • Any other medical proof that will assist in confirming your disability

ADVICE

When you are filing for permanent disability with the Employer you must contact the Scheme immediately. In order to ensure timely submission of claims and pay-outs, do not wait until the last day of employment.