Income Protection Insurance

Size: px
Start display at page:

Download "Income Protection Insurance"

Transcription

1 Income Protection Insurance (Cover in the event of long-term incapacity) Members Guide - from April

2 2

3 The company has taken out insurance cover designed to give you continued income in the event of your long-term incapacity, right up to age 65 if necessary. Your rights under this cover are governed strictly by the terms set by the insurance company to which the application for long-term incapacity benefit must be made, and whose terms and conditions governing that benefit including medical reports, are to be met by you. This guide provides an outline of the main features of the scheme, the full terms of which are contained in rules which are available for inspection on request to the Guardian Media Group Pensions Department. John Woodman Pensions Manager 3

4 You ll be covered automatically as long as you are actively at work on the date you become eligible Amendment/Discontinuation Please note that this benefit is conferred by the company at its absolute discretion and the company reserves the right to amend or discontinue this scheme at any time. In this event, benefits already in payment would not be affected. Eligibility for Membership/Cover Your terms of employment indicate whether or not you are eligible for this scheme. Medical evidence will not normally be required and you will be covered automatically as long as you are actively at work on the date you become eligible. Higher paid employees may need to provide medical evidence and you will be notified if this applies to you. Cover under this scheme ceases on termination of employment. Life Assurance Cover Members of the Lifestyle Plan are covered for death benefits as described in the relevant sections of the literature. The pay figure used for the purpose of the death benefits is the highest 12 months gross pay in the last 48 months. This basis would continue to apply during any period of sickness absence until benefit under this income protection scheme commences. At that time the death benefit cover would be calculated according to the above basis and would then be increased at the end of every 12 months by the increase in the Retail Price Index (RPI) subject to a maximum of 5% p.a. and a minimum of 0% p.a. 4

5 Benefits Short term sick pay Your terms of employment indicate the arrangements applicable in the event of your sickness or incapacity. These arrangements are generally intended to cover short term periods of absence. Long term sick pay This insurance cover providing income protection is intended to provide cover for much longer periods and the scheme has therefore been set up to provide benefit after 12 months continuous incapacity, continuing up to age 65 if necessary (or until earlier recovery or death). Benefits are usually payable after 12 months continuous incapacity The benefits would be paid in the event of your being unable, by reason of illness or injury, to perform the material and substantial duties of your occupation and not following any other occupation (see Claims Procedure on page 7). Income benefit The benefit provided under the insurance is 50% of your gross pay. For the purpose of the income protection insurance, your gross pay is based on your fixed pay during the 12 months prior to the start of your incapacity plus the average of all items of variable pay over 36 months prior to the start of your incapacity (or such shorter period as applicable if the period of employment is shorter). State Incapacity Benefit Where applicable, this is paid separately by the State, in addition to income benefit paid from the company insured scheme. 5

6 Pension Contributions In addition to the income payable to you, the income protection insurance will also provide on-going contributions for pension purposes in respect of your own contribution amounts (excluding AVCs and ECs) and the company s contributions based on the age related scale for the Lifestyle Plan or the fixed rate for non-contributors. These contributions will be calculated on your gross pay as defined above and will be based on your contribution status immediately prior to the start of your incapacity as follows:- STANDARD CONTRIBUTOR:- Employee Contributions Employer Contributions TOTAL HALF RATE CONTRIBUTOR:- Employee Contributions Employer Contributions TOTAL CONTRIBUTIONS PAID TO THE LIFESTYLE PLAN 5% 8% - 12% 13% - 17% 2.5% 4% - 6% 6.5% - 8.5% For full rate and half rate contributory members, the relevant company contribution increases according to the normal age related scale of contributions for the Lifestyle Plan. You would continue to be treated as contracted-in to the State Second Pension and would pay full National Insurance contributions on your income benefit. You could choose to pay additional voluntary contributions to the Lifestyle Plan out of your continued income as described in the main Lifestyle Plan literature in which case the employer top up of 50% would continue to apply. Increases Both your own income from this insured scheme and the on-going pension contributions, if applicable, will increase in line with the Retail Price Index (RPI), subject to a maximum of 5% p.a. and a minimum of 0% p.a. NON CONTRIBUTOR:- Employee Contributions Employer Contributions TOTAL 0% 2.5% 2.5% 6

7 Further Details Benefit is normally payable after 12 months continuous incapacity. However, in certain circumstances it may be possible to link separate periods of incapacity within the first 12 months where they are related to the same illness. Full benefit is paid when no other occupation is being followed. Proportionate benefit is paid when, as a direct result of incapacity, a new and less remunerative occupation is taken up, or if with medical consent a claimant returns to the former employment on a part-time basis and at a reduced income. The proportionate benefit is calculated in proportion to the loss of earnings, but allowance is made for cost-of-living increases. Certain restrictions may apply in respect of employees resident overseas. The maximum benefit which an employee may receive from all income protection insurances (including any additional personal income protection insurances) is three-quarters of preincapacity income less an amount equal to basic State Incapacity Benefit payable to a single person plus on-going pension contributions.there is a further overall limit for higher paid employees and you will be notified if this applies to you. On leaving employment, cover under the income protection insurance ceases. Benefit Claims Procedures The procedure for claiming benefit under the Scheme would normally begin after about 30 weeks of incapacity. A claim would need to be submitted to the insurance company through the Company Doctor who would need to be satisfied that you were totally incapacitated and unable to follow your normal occupation as a result of a disabling physical or mental condition. You would need to provide the Company Doctor and the insurance company with all the information they need to assess your claim and to give authority to contact your own GP/Specialist for details of your medical condition. You would then be advised whether or not you would qualify for benefit in principle. Following the assessment of your claim you would then be able to make formal application to accept the benefits. The benefit is intended to apply to those who are permanently incapacitated therefore on your acceptance of the benefit you would be treated as having left your job. In practice the benefit would be paid through the company payroll and you would continue to be liable for income tax and National Insurance contributions in the normal way. The benefit is continued up to age 65 as long as medical evidence supports the claim. Proof of continued incapacity would be obtained as and when required and may include up-to-date reports from your GP or independent medical examination. 7

8 The Pensions Department Guardian Media Group plc Centurion House 129 Deansgate Manchester M3 3WR Tel: Fax:

Group Income Protection Technical Guide

Group Income Protection Technical Guide For commercial customers and their advisers only Group Income Protection Technical Guide Reference BGR/4019/OCT12 Contents Page Its aims Employers your commitment Risk factors How does the policy work?

More information

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS

GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY TERMS & CONDITIONS 1 CONTENTS 1. The policy 2 2. Definitions 3 3. Minimum requirements for the policy 7 4. Eligible employees and

More information

GROUP INCOME PROTECTION

GROUP INCOME PROTECTION GROUP INCOME PROTECTION PROACTIVE PROTECTION PROVIDED BY METLIFE POLICY technical guide This document is a guide to the features, benefits, risks and limitations of the policy, including how the policy

More information

Online Group Income Protection Technical Guide

Online Group Income Protection Technical Guide For commercial customers and their advisers only Online Group Income Protection Technical Guide Reference BGR/5575/SEP13 Contents Page Its aims Employers your commitment Risk factors How does the policy

More information

Guide to Understanding Claims Long Term Disability

Guide to Understanding Claims Long Term Disability Guide to Understanding Claims Long Term Disability What is our key objective? We aim to deal with all claims efficiently and equitably to ensure that all benefits due are paid on time and any further distress

More information

Unum Select Income Protection

Unum Select Income Protection TECHNICAL GUIDE Unum Select Income Protection Because everyone needs a back-up plan unum.co.uk Product overview provides benefits for employees who are unable to work through illness or injury. Allows

More information

Make the most of every investment opportunity.

Make the most of every investment opportunity. INTRODUCTION The purpose of this Plan is to provide you with an income in the event of a loss of earnings due to disability for a period of more than six months. The rates, terms and conditions of the

More information

Incapacity retirement

Incapacity retirement RETIREMENT FINAL SALARY SECTION Incapacity retirement General All applications for a member to retire on the grounds of partial or total incapacity require the approval of Universities Superannuation Scheme

More information

Accident Cover Claim Form

Accident Cover Claim Form Accident Cover Claim Form In order for us to consider your claim, we require the following: Section A: Must be fully completed by you Section B: Must be fully completed by your current medical attendant

More information

Unum Sick Pay Insurance

Unum Sick Pay Insurance TECHNICAL GUIDE Unum Sick Pay Insurance Because everyone needs a back-up plan unum.co.uk Product overview The (SPI) policy is classified as a long-term insurance contract (between Unum and the policyholder),

More information

Canada Life Group Income Protection

Canada Life Group Income Protection A policyholder s guide to making a claim frequently asked questions We aim to make the claims process as straightforward as possible. This leaflet guides you through the process and answers some of the

More information

racingindustryaccidentbenefit scheme (riabs) April 2015 March 2016

racingindustryaccidentbenefit scheme (riabs) April 2015 March 2016 racingindustryaccidentbenefit scheme (riabs) April 2015 March 2016 Group Scheme for Temporary Total Disablement and Group Capital Benefits Insurance Scheme, For Paid Stable Workers Claim Form All claim

More information

University of Limerick Income Continuance Plan

University of Limerick Income Continuance Plan University of Limerick Income Continuance Plan Introduction This explanatory booklet was produced by Willis Risk Services (Ireland) Limited and provides a brief outline only of the main benefits of the

More information

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT WOLFSON COLLEGE

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT WOLFSON COLLEGE CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT WOLFSON COLLEGE How the Scheme is run Why you should join State pensions Auto-enrolment Membership Cost Who can become a member? What

More information

Personal Accident Insurance Accident Claim Form

Personal Accident Insurance Accident Claim Form Claimant & Accident Details Name of Birth Address Telephone Number Email Occupation Self-Employed Description of Working Duties If yes, will your business cease to operate during this incapacity of Accident

More information

Industrial Injury Allowance Policy

Industrial Injury Allowance Policy Industrial Injury Allowance Policy 1. Aim The aim of this policy is to provide information to managers on the reporting of industrial injury related absence, and the mechanisms available to support employees

More information

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST JOHN S COLLEGE

CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST JOHN S COLLEGE CAMBRIDGE COLLEGES FEDERATED PENSION SCHEME A GUIDE FOR MEMBERS AT ST JOHN S COLLEGE How the Scheme is run Why you should join State pensions Auto-enrolment Membership Cost Who can become a member? What

More information

The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland

The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland The Dublin Solicitors Bar Association Income Protection Scheme Available to all practicing Solicitors in Ireland FFGENERAL New Dublin Solicitors Bar Association Group Income Protection Scheme This brochure

More information

Voluntary Income Protection Plan Explanatory booklet. December, 2011

Voluntary Income Protection Plan Explanatory booklet. December, 2011 Voluntary Income Protection Plan Explanatory booklet December, 2011 This booklet is produced by Friends First and provides an overview of the benefits for members of the Voluntary Income Protection Plan

More information

South Cave Bears Day Nursery Staff Absence Management Procedure

South Cave Bears Day Nursery Staff Absence Management Procedure South Cave Bears Day Nursery Staff Absence Management Procedure South Cave Bears Day Nursery encourages all its employees to maximise their attendance at work while recognising that employees will, from

More information

Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE. People you can trust- A company you can rely on

Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE. People you can trust- A company you can rely on Technical Guide GROUP INCOME PROTECTION TECHNICAL GUIDE People you can trust- A company you can rely on Who are Omnilife? Omnilife is a specialist insurer providing Group Risk benefits for employers that

More information

SICKNESS ABSENCE POLICY

SICKNESS ABSENCE POLICY chapter _v 1/10/2004 12:18 pm Page SICKNESS ABSENCE POLICY. SICKNESS ABSENCE POLICY.1 Introduction.2 Aims.3 Definition of Sickness Absence.4 Entitlements. Entitlement to Statutory Sick Pay (SSP).6 Notification

More information

University College Dublin UCD Income Continuance Plan. Member s Booklet

University College Dublin UCD Income Continuance Plan. Member s Booklet University College Dublin UCD Income Continuance Plan Member s Booklet September 2014 2 UCD Income Continuance Plan INTRODUCTION This explanatory booklet was produced by Friends First and provides a brief

More information

POLICY TERMS AND CONDITIONS.

POLICY TERMS AND CONDITIONS. INCOME PROTECTION BENEFIT POLICY TERMS AND CONDITIONS. T&C 20 2 INCOME PROTECTION BENEFIT CONTENTS. 1. DEFINITIONS EXPLAINED 4 2. INTRODUCTION 6 3. COVER PROVIDED 6 3.1 Who is covered 3.2 Period of cover

More information

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS INTRODUCTION Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS This group life insurance plan, under policy G. 10450 with Canada Life, originated in 1971. It is managed by a joint Management

More information

A Social Welfare medical certificate is required from all staff except those on Class D PRSI where an ordinary medical certificate is sufficient.

A Social Welfare medical certificate is required from all staff except those on Class D PRSI where an ordinary medical certificate is sufficient. Code: QA105 Title: Sick Leave Date: 27/1/2015 Approval: UMT 1.0 Purpose Sick Leave entitlements, approval, recording and reporting. 2.0 Description Sick Leave forms an integral part of each staff member

More information

THE XYZ Pension and Life Assurance Scheme. Members Booklet January 2014 Edition. For Employees of the XYZ Company

THE XYZ Pension and Life Assurance Scheme. Members Booklet January 2014 Edition. For Employees of the XYZ Company THE XYZ Pension and Life Assurance Scheme Members Booklet January 2014 Edition For Employees of the XYZ Company Reviewed January 2014 CONTENTS Page 3 INTRODUCTION 4 TERMS USED IN THIS BOOKLET 7 GENERAL

More information

STATUTORY INSTRUMENTS. S.I. No. 582 of 2014 RULES FOR PRE-EXISTING PUBLIC SERVICE PENSION SCHEME MEMBERS REGULATIONS 2014

STATUTORY INSTRUMENTS. S.I. No. 582 of 2014 RULES FOR PRE-EXISTING PUBLIC SERVICE PENSION SCHEME MEMBERS REGULATIONS 2014 STATUTORY INSTRUMENTS. S.I. No. 582 of 2014 RULES FOR PRE-EXISTING PUBLIC SERVICE PENSION SCHEME MEMBERS REGULATIONS 2014 2 [582] S.I. No. 582 of 2014 RULES FOR PRE-EXISTING PUBLIC SERVICE PENSION SCHEME

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

Welplan Building Engineering Services Employee Benefits Scheme Scheme Rules

Welplan Building Engineering Services Employee Benefits Scheme Scheme Rules Welplan Building Engineering Services Employee Benefits Scheme Scheme Rules Crown House Technologies Ltd SUMMARY The Scheme operates in the following way: a b The Employer notifies Welplan of all Operatives

More information

Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008

Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008 Group Income Protection Insurance Policy GIPPOL(EMPLOYEE)/04/2008 GROUP INCOME PROTECTION INSURANCE POLICY This policy is issued by Unum Limited (called Unum in this policy) to the policyholder named in

More information

Classic Group Income Protection

Classic Group Income Protection TECHNICAL GUIDE Classic Group Income Protection Because everyone needs a back-up plan This guide explains the main features of our Classic Group Income Protection (GIP) product. Please note that GIP is

More information

Income Protection Plan for NUIG Employees

Income Protection Plan for NUIG Employees The HEA (Higher Educational Authority) has confirmed that new Sick Pay Entitlements for Public Sector Employees will formally commence for all NUIG employees on 1st September 2014. Income Protection Plan

More information

VITALITYLIFE PLAN PROVISIONS VITALITY.CO.UK/LIFE

VITALITYLIFE PLAN PROVISIONS VITALITY.CO.UK/LIFE VITALITYLIFE PLAN PROVISIONS VITALITY.CO.UK/LIFE VitalityLife Plan Provisions This document is your plan provisions. It explains how your plan works. It includes details about the covers and options in

More information

Sanlam Office Staff Occupational Disability Insurance. February 2015

Sanlam Office Staff Occupational Disability Insurance. February 2015 Sanlam Office Staff Occupational Disability Insurance February 2015 content sick leave 1 5 years before retirement 3 income care benefit insurance 1 annual leave 3 cease of income 2 unemployment insurance

More information

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan...

Table of Contents. 1 Partnering for Success... 2. 5 Questions and Answers... 9. 2 About Liberty Mutual... 3. 3 Supplementing the State's Plan... Table of Contents 1 Partnering for Success... 2 Page 2 About Liberty Mutual... 3 3 Supplementing the State's Plan... 4 4 Plan Highlights... 7 5 Questions and Answers... 9 UNC Supplemental Disability 1

More information

FACTS AND FEATURES SIDE BY SIDE.

FACTS AND FEATURES SIDE BY SIDE. INCOME PROTECTION BENEFIT PLAN (IPB) AND FACTS AND FEATURES SIDE BY SIDE. It s our aim to make selling income protection as simple as possible. Here, we ve compared the features of our Income Protection

More information

Income Protection Cover. Guide to making a claim

Income Protection Cover. Guide to making a claim Income Protection Cover Guide to making a claim Guide to making a claim Income Protection Cover What you ll find in this guide Page Understanding your Income Protection Cover 3 What do I do if I need to

More information

THE XYZ Pension and Life Assurance Scheme. Members Booklet April 2015 Edition. For Employees of the XYZ Company

THE XYZ Pension and Life Assurance Scheme. Members Booklet April 2015 Edition. For Employees of the XYZ Company THE XYZ Pension and Life Assurance Scheme Members Booklet April 2015 Edition For Employees of the XYZ Company Reviewed May 2015 1 CONTENTS Page 3 INTRODUCTION 4 TERMS USED IN THIS BOOKLET 8 GENERAL 9 CONTRIBUTIONS

More information

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

Key Features Your questions answered

Key Features Your questions answered Key Features Your questions answered Individual Income Protection... unum.co.uk Leading the way in Income Protection unum.co.uk Important You should ensure you have a full understanding of the plan before

More information

STATE OF MICHIGAN LONG TERM DISABILITY INCOME PROTECTION PLAN October 1, 2007

STATE OF MICHIGAN LONG TERM DISABILITY INCOME PROTECTION PLAN October 1, 2007 STATE OF MICHIGAN LONG TERM DISABILITY INCOME PROTECTION PLAN October 1, 2007 This document is the State of Michigan self-funded Long Term Disability Income Protection Plan (LTD Plan). The LTD Plan is

More information

GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME. Defined Contribution Section

GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME. Defined Contribution Section GLOBAL AEROSPACE UNDERWRITING MANAGERS PENSION SCHEME Defined Contribution MEMBER'S HANDBOOK May 2012 CONTENTS Clause Page INTRODUCTION... 3 Explanation of terms and expressions used in this booklet...

More information

Community Underwriting Personal Accident Claim Form

Community Underwriting Personal Accident Claim Form Community Underwriting Personal Accident Claim Form About the Insurer Calliden Insurance Limited (us/we/our) (Calliden) (ABN 47 004 125 268, AFSL 234438) is the insurer and issuer of this Policy and this

More information

secure your future the lump sum scheme Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET DIVISION 2 - MEMBERS BOOKLET

secure your future the lump sum scheme Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET DIVISION 2 - MEMBERS BOOKLET the lump sum scheme secure your future Everything you need to know about your super DIVISION 2 - MEMBERS BOOKLET 1 Adding power to your financial future 3 THE LUMP sum scheme MADE EASY 4 CONTRIBUTIONS

More information

Executive Income Protection

Executive Income Protection Executive Income Protection Policy conditions Reference PN37 02.09 Contents Page 1 Introduction 2 2 Premiums 5 3 Insured benefit 6 4 Proportionate benefit 7 5 Rehabilitation benefit 8 6 Hospitalisation

More information

... How to make a claim. Individual Income Protection Personal Income Replacement Plan Primary Income Replacement Plan. unum.co.uk

... How to make a claim. Individual Income Protection Personal Income Replacement Plan Primary Income Replacement Plan. unum.co.uk Individual Income Protection Personal Income Replacement Plan Primary Income Replacement Plan... unum.co.uk Contents Introduction 3 Step 1 - Making a claim 4 Call us for a claims pack 4 Complete and return

More information

Public Employees Benefits Agency. Public Employees Disability Income Plan

Public Employees Benefits Agency. Public Employees Disability Income Plan Public Employees Benefits Agency Public Employees Disability Income Plan Table of Contents INTRODUCTION...4 Overview Administration Employee Booklet ELIGIBILITY...5 Employer Responsibility Enrolment BENEFITS...7

More information

Sports Injury Claim Form

Sports Injury Claim Form Sports Injury Claim Form Sports Underwriting Australia Claims Department PO Box 2717, Taren Point. NSW, 2229 Tel: 1300 363 413 Fax: 02 9524 9003 Email: sua@au.innovation-group.com Members Name: Address:

More information

BRANT COMMUNITY HEALTHCARE SYSTEM MANUAL. Policy/Procedure

BRANT COMMUNITY HEALTHCARE SYSTEM MANUAL. Policy/Procedure BRANT COMMUNITY HEALTHCARE SYSTEM MANUAL Policy/Procedure CATEGORY: Organizational Health NUMBER: X - 130 ISSUED BY: Board of Directors PAGE: 1 of 6 Date: March 1983 SIGNATURE: Review Date: July 2006 PRESIDENT

More information

Ealing Council. Work Related Injury/Illness Policy and Process. Effective 1 st July 2008

Ealing Council. Work Related Injury/Illness Policy and Process. Effective 1 st July 2008 Ealing Council Work Related Injury/Illness Policy and Process Effective 1 st July 2008 Work Related Injury/Illness Policy and Process Contents page 1 POLICY STATEMENT...1 2 SCOPE...1 3 DEFINITIONS...1

More information

Public Sector Injury Benefit Scheme 2015

Public Sector Injury Benefit Scheme 2015 Public Sector Injury Benefit Scheme 2015 PSPA Ref: Application for Injury Benefit Important: Please complete this form in CAPITAL LETTERS and in BLACK INK Section A To be completed by the Employing Authority

More information

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

Civil Service Injury Benefits Scheme

Civil Service Injury Benefits Scheme Civil Service Injury Benefits Scheme Civil Service Injury Benefits Scheme The Civil Service Injury Benefits Scheme was made on 22 July 2002 under section 1 of the Superannuation Act 1972 and came into

More information

Disability TABLE OF CONTENTS

Disability TABLE OF CONTENTS Disability TABLE OF CONTENTS INCOME PROTECTION... 2 SICK LEAVE PLAN... 2 Eligibility... 2 Sick Leave Accumulation... 2 Sick Leave Benefits... 2 SHORT AND LONG TERM DISABILITY PLANS... 2 Eligibility...

More information

Generali Worldwide Group Total & Permanent Disability Standard Terms and Conditions

Generali Worldwide Group Total & Permanent Disability Standard Terms and Conditions Generali Worldwide Group Total & Permanent Disability Standard Terms and Conditions generali-worldwide.com 2 of 7 Generali Worldwide Insurance Company Limited - Group Total & Permanent Disability Terms

More information

Group Income Protection Group Income Protection

Group Income Protection Group Income Protection Group Income Protection Group Income Protection Policy Conditions The nature of the Policy The Policy provides insurance to cover income benefits payable for a member who is unable to work due to incapacity.

More information

Temporary Injury Allowance Process and Procedures

Temporary Injury Allowance Process and Procedures Temporary Injury Allowance Process and Procedures Isle of Man Government Temporary Injury Allowance Process and Procedures Introduction Staff who are injured or become ill due to their employment may be

More information

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors STAY ON TOP OF EVERYTHING A Guide to Executive Income Protection for Key Employees/Owner Directors Executive Income Protection for Key Employees/Owner Directors Introducing ROYAL LONDON Ever since we started

More information

3.09 Injury andassault

3.09 Injury andassault 3.09 Injury andassault This policy is about what happens if you suffer injury while at work and the actions that your and NICS must take if this occurs. The policy also details some of the payments that

More information

Income Protection Cover. Guide to making a claim

Income Protection Cover. Guide to making a claim Income Protection Cover Guide to making a claim Guide to making a claim Income Protection Cover What you ll find in this guide Page Understanding your Income Protection Cover 3 What do I do if I need to

More information

SUPPLEMENT. to the WESTERN PENNSYLVANIA ELECTRICAL EMPLOYEES INSURANCE TRUST FUND SICKNESS AND DISABILITY BENEFITS PROGRAM.

SUPPLEMENT. to the WESTERN PENNSYLVANIA ELECTRICAL EMPLOYEES INSURANCE TRUST FUND SICKNESS AND DISABILITY BENEFITS PROGRAM. SUPPLEMENT to the WESTERN PENNSYLVANIA ELECTRICAL EMPLOYEES INSURANCE TRUST FUND SICKNESS AND DISABILITY BENEFITS PROGRAM April 2013 BUS_EST:349238-1 TABLE OF CONTENTS Page Introduction... 1 1-1 Eligibility

More information

Generali PanEurope Group Income Protection. GUIDE TO THE Claims Process

Generali PanEurope Group Income Protection. GUIDE TO THE Claims Process Generali PanEurope Group Income Protection Employer CLAIM FORM AND GUIDE TO THE Claims Process 2 Group Income Protection Employer s Guide to the Claims Process Group Income Protection is designed to provide

More information

The Statement of Fitness for Work from sick note to fit note

The Statement of Fitness for Work from sick note to fit note The Statement of Fitness for Work from sick note to fit note Background Information From 6 April 2010 the sick note is changing to become a fit note. Sick notes (or Medical Statements) are the forms issued

More information

Sports Injury Claim Form

Sports Injury Claim Form Sports Underwriting Australia Sports Underwriting Australia Claims Department PO E: liabilityclaims@sportsunderwriting.com.au Box 2717, Taren Point. NSW, 2229 Tel: Ph: 1300 363 363 413 413 Fax: +61 2 9524

More information

Pensions. Information for Scheme Members. in the format of Frequently Asked Questions

Pensions. Information for Scheme Members. in the format of Frequently Asked Questions Pensions Information for Scheme Members in the format of Frequently Asked Questions Designed & Printed by the Revenue Printing Centre January 2015 RPC005668_EN_PR_L_1.indd Preface The information in the

More information

Your Income Assured Plus contract. A Quick Guide

Your Income Assured Plus contract. A Quick Guide Your Income Assured Plus contract A Quick Guide We aim to be there for you when you need us most and believe that by providing clear and helpful information we can be. This guide is to help you understand

More information

Ill-health - retirement benefits

Ill-health - retirement benefits Ill-health - retirement benefits June 2010 A key flexibility of the Teachers Pension Scheme (TPS) is the two types of ill-health retirement benefits that may be paid. This dual approach aims to support

More information

University of British Columbia (the University) CUPE Local 2278 English Language Instructors

University of British Columbia (the University) CUPE Local 2278 English Language Instructors University of British Columbia (the University) CUPE Local 2278 English Language Instructors Contract Number 23218 Part G Effective January 1, 2008 Table of Contents Table of Contents General Information...1

More information

The Law Society of Ireland Income Protection Scheme. Available to all members of the Law Society of Ireland

The Law Society of Ireland Income Protection Scheme. Available to all members of the Law Society of Ireland The Law Society of Ireland Income Protection Scheme Available to all members of the Law Society of Ireland E X P L A N AT O RY B O O K L E T Contents 1. Introduction 1.1 Why Do I need Income Protection?

More information

Day 1 Income Protection

Day 1 Income Protection Day 1 Income Protection Day 1 Income Protection arranged by Omega Financial Management Product Guide & Key Facts About Omega Financial Management Omega Financial Management was founded in 2001 and specialises

More information

Supplemental Term Life Insurance Plan

Supplemental Term Life Insurance Plan Supplemental Term Life Insurance Plan JANUARY 1, 2006 Who Is Eligible Service Requirement Eligibility Date Dependent Age Limit Employee-Only Coverage Options Spouse-Only Coverage Options Children-Only

More information

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET

O P Q RETIREMENT & DEATH BENEFITS PLAN. For Employees of The OPQ Company MEMBERS' BOOKLET O P Q RETIREMENT & DEATH BENEFITS PLAN For Employees of The OPQ Company MEMBERS' BOOKLET 2014 EDITION Reviewed January 2014 INTRODUCTION This booklet is an overview of the main benefits and conditions

More information

Group Life Policy for Registered Schemes Technical Guide

Group Life Policy for Registered Schemes Technical Guide For commercial customers and their advisers only Group Life Policy for Registered Schemes Technical Guide Reference BGR/4507/FEB10-P Contents Page Its aims 3 Employers your commitment Risk factors How

More information

Income Continuance Plan (ICP)

Income Continuance Plan (ICP) Public Service Executive Union Income Continuance Plan (ICP) Explanatory Booklet About Lyons Financial Services Lyons Financial Services was appointed by the Public Service Executive Union as advisers

More information

Equimax Participating Whole Life Insurance. (For Adults) Optional Riders

Equimax Participating Whole Life Insurance. (For Adults) Optional Riders Equimax Participating Whole Life Insurance (For Adults) Optional Riders Additional Accidental Death Benefit 1 Disability Waiver of Premium Rider. 3 Children s Protection Rider 6 Guaranteed Insurability

More information

University College Dublin UCD Income Continuance Plan. Member s Booklet

University College Dublin UCD Income Continuance Plan. Member s Booklet University College Dublin UCD Income Continuance Plan Member s Booklet September 2014 2 UCD Income Continuance Plan INTRODUCTION This explanatory booklet was produced by Friends First and provides a brief

More information

For advisers only Friends Life Protect+ Income Protection. Income Protection cover. It s income protection. And more.

For advisers only Friends Life Protect+ Income Protection. Income Protection cover. It s income protection. And more. For advisers only Friends Life Protect+ Income Protection Income Protection cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

LIFE COVER - PROTECTION FOR YOUR FAMILY

LIFE COVER - PROTECTION FOR YOUR FAMILY LIFE COVER - PROTECTION FOR YOUR FAMILY The LGPS provides valuable life cover and financial protection for your family. Where pension terms are used, they appear in bold italic type. These terms are defined

More information

THE UNIVERSITY OF DUNDEE SUPERANNUATION & LIFE ASSURANCE SCHEME

THE UNIVERSITY OF DUNDEE SUPERANNUATION & LIFE ASSURANCE SCHEME THE UNIVERSITY OF DUNDEE SUPERANNUATION & LIFE ASSURANCE SCHEME MEMBERS BOOKLET 2011 EDITION Applicable to former members of the University of Dundee (Former CNM Staff) Pension Scheme THE UNIVERSITY OF

More information

Key Features Your questions answered

Key Features Your questions answered Key Features Your questions answered Income Protection... unum.co.uk Leading the way in Income Protection unum.co.uk Important You should ensure you have a full understanding of the plan before making

More information

THE HALIFAX RETIREMENT FUND MEMBERS' GUIDE

THE HALIFAX RETIREMENT FUND MEMBERS' GUIDE THE HALIFAX RETIREMENT FUND MEMBERS' GUIDE CONTENTS 1 Definitions 2 Membership 3 Contributions 4 Additional voluntary contributions (AVCs) 5 Tax relief 6 Retirement Benefits (including taking benefits

More information

Terms of Participation

Terms of Participation Terms of Participation Introduction Effective January 1, 2011, the OMERS Primary Pension Plan ( Primary Plan ) was amended to add an additional voluntary contribution provision (i.e., the AVC Provision

More information

SICK LEAVE AND SICK PAY SCHEME APPLICABLE TO ALL STAFF (INCLUDING HOURLY PAID STAFF)

SICK LEAVE AND SICK PAY SCHEME APPLICABLE TO ALL STAFF (INCLUDING HOURLY PAID STAFF) SICK LEAVE AND SICK PAY SCHEME APPLICABLE TO ALL STAFF (INCLUDING HOURLY PAID STAFF) 1. Introduction 1.1 This scheme sets out the rights, entitlements and obligations upon all members of staff irrespective

More information

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center

The Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.

More information

Sports Injury Claim Form

Sports Injury Claim Form Sports Underwriting Australia Sports Injury Claim Form Sports Underwriting Australia Claims Department PO Box 2717, Taren Point. NSW, 2229 Tel: 1300 363 413 Fax: 02 9524 9003 Email: paclaims@sportsunderwriting.com.au

More information

ENGINEERING CONSTRUCTION INDUSTRY WELFARE AND HOLIDAY SCHEME EMPLOYER ADMINISTRATION GUIDE

ENGINEERING CONSTRUCTION INDUSTRY WELFARE AND HOLIDAY SCHEME EMPLOYER ADMINISTRATION GUIDE ENGINEERING CONSTRUCTION INDUSTRY WELFARE AND HOLIDAY SCHEME EMPLOYER ADMINISTRATION GUIDE Administered by Welplan Limited Old Mansion House Eamont Bridge Penrith Cumbria CA10 2BX www.welplan.co.uk Tel:

More information

Network Rail CARE Pension Scheme

Network Rail CARE Pension Scheme Network Rail CARE Pension Scheme Your Member s Guide The bigger picture Jargon buster Additional Voluntary Contributions is the name given to any contributions you pay above your normal employee contributions

More information

Group Income Protection Insurance Claim form to be completed by the Employee

Group Income Protection Insurance Claim form to be completed by the Employee Group Income Protection Insurance Claim form to be completed by the Employee Please complete and return this claim form in the pre-paid envelope provided as soon as is possible. Please answer all questions

More information

Community Underwriting Personal Accident Claim Form

Community Underwriting Personal Accident Claim Form Community Underwriting Personal Accident Claim Form About Community Underwriting Community Underwriting Agency Pty Ltd (Community Underwriting) acts under a binding authority as Agent for Berkley Insurance

More information

Personal Income Protection. support for the. unexpected. A Guide to Personal Income Protection

Personal Income Protection. support for the. unexpected. A Guide to Personal Income Protection Personal Income Protection support for the unexpected A Guide to Personal Income Protection Introducing ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal London we ve

More information

A Guide to Income Protection (Permanent Health Insurance)

A Guide to Income Protection (Permanent Health Insurance) A Guide to Income Protection (Permanent Health Insurance) This guide about Income Protection (Permanent Health Insurance) Insurance is designed to help you decide if this is a suitable product for you.

More information

Long-Term Disability Insurance

Long-Term Disability Insurance Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,

More information

Key Features of the BFS Protect Policy. A fresh look at Income Protection

Key Features of the BFS Protect Policy. A fresh look at Income Protection Key Features of the BFS Protect Policy A fresh look at Income Protection A fresh look at Income Protection 2 This is an important document which you should read along with your Personal Illustration. The

More information

Online Group Life Policy for Registered Schemes Technical Guide

Online Group Life Policy for Registered Schemes Technical Guide For commercial customers and their advisers only Online Group Life Policy for Registered Schemes Technical Guide Reference BGR/5576/SEP13 Contents Page Its aims Employers your commitment Risk factors How

More information

EXPLANATORY MEMORANDUM TO THE SOCIAL SECURITY BENEFITS UP-RATING ORDER 2010. No.793

EXPLANATORY MEMORANDUM TO THE SOCIAL SECURITY BENEFITS UP-RATING ORDER 2010. No.793 EXPLANATORY MEMORANDUM TO THE SOCIAL SECURITY BENEFITS UP-RATING ORDER 2010 No.793 1. This explanatory memorandum has been prepared by the Department for Work and Pensions and is laid before Parliament

More information