Terminal Illness Benefit Choice of Contract end dates What does this mean in practice? Own Occupation Definition

Transcription

1 My Earnings Insurance s (ORA) Applicable from July 2014

2 Choice of Contract end dates The My Earnings Insurance (MEI) contract offers two end dates: when you reach the age of 70; or the set retirement age for your occupation. An Own Disability definition will apply up to the set retirement age and thereafter a Total Permanent Disability definition will apply. What does this mean in practice? Some jobs have a retirement age that is lower than 70. The retirement ages for different occupations are set by the Society. When selecting the end date of your contract you need to be aware that the way in which we will assess your claim will differ between the Own Disability definition and the Total Permanent Disability definition. If you select an end date of age 70 and your occupation has a lower occupational retirement age then in the event of claim we will use the Own Disability definition up to the occupational retirement age to determine your eligibility and the Total Permanent Disability definition beyond that up to age 70. Own Definition Applies where the Member, by reason of a Disabling Condition, is unable to perform the Material and Substantial Duties of the occupation (whether or not the occupation remains available to them following payment of Benefits) and provided the Member is not following any other occupation or activity whatsoever. Total Permanent Disability Definition Applies where the Member, by reason of disabling condition is unable to follow any occupation or activity whatsoever at all ever again including, for the avoidance of doubt, any unpaid or voluntary work. Please Note The Total Permanent Disability definition only applies to the period from the occupational retirement age to age 70 if the occupational retirement age shown is lower than 70. Severe Injury Cover If you select Severe Injury Cover (please refer to the Key Facts Document (KFD) or Guide to MEI) cover will cease at the occupational retirement age. General This booklet provides a list of the most common occupations and the occupational retirement age that applies if there is one. It also provides a list of those occupations which the Society is unable to offer cover for. If an occupation is not shown please contact our Customer Care Team on or customercare@cirencester-friendly.co.uk

3 Abattoir Worker Abrasive Wheel Worker Accountant 70 Accounts Administrator 70 Accumulator Repairer Acoustic Engineer Acrobat Actor / Actress Actuary 70 Acupuncturist 70 Administrator 70 Advertising (Executive, Assistant) 70 Advocate 70 Aerial Erector 60 Aerial Photographer Aerobics Instructor 55 Agricultural Contractor Agricultural Engineer Agricultural Worker Agronomist / Agricultural Scientist Air Compressor Air Condition Installer Air Traffic Controller 55 Aircraft Cabin Crew 55 Aircraft Engineer Aircraft Pilots Alarm Fitter Ambulance Driver / Paramedic/ Crew Anaesthetist 70 Analyst 70 Antique Dealer 70 Antique Restorer Arborist Arc Welder Archaeologist Architect 70 Archivist 70 Army Artexer Artist Asbestos worker Asphalt Worker Assembler Astrologer Astronomer Athlete Auctioneer 70 Audiologist Auditor 70 Author B&B Proprietor Baggage Handler 55 Bailiff Baker Barber Barman / maid Barrister 70 Beautician Bill Poster Blacksmith Blind Supplier / Fitter Boat Builder Body Guard Book Keeper 70 Bookbinder Bookmaker ( course) Bookmaker (shop / office) 70 Boxer Breakdown Recovery Mechanic Brewer Bricklayer Broadcaster Builder (and associated trades) Bulldozer Driver Bus Driver Butcher Butler 70 Cabinet Maker 3

4 Caddy 60 Calibrator Call Centre Staff 70 Cameraman Canine Beautician Car Salesman 70 Car Valet Care Assistant /Worker Caretaker Carpenter Carpet Fitter Carpet Maker Cashier 70 Caterer CCTV Engineer Ceiling Fixer Cementer Chauffeur Chef Chemical Engineer Chemist - Dispenser 70 Chemist - Other Childminder Chimney Sweep Chiropodist Chiropractor Circus Performer Cleaner Clergy 70 Clock / Watch Maker / Repairer Coach - Life 70 Coach - Sports 60 Coach Driver Coal Miner 55 Coastguard 55 Commercial Diver Commercial Pilot Composer Computer Designer / Operator 70 Computer Engineer Concreter Cook Counsellor 70 Courier Crane Driver Curator 70 Custom Officer Dance Teacher 55 Dancer Decorator Delivery Driver Demolition Worker Dental Nurse / Technician 60 Dentist 60 Derrickman 55 Dietician 70 Digger Driver Disc Jockey Dispatch Rider Diver Docker Doctor (non surgeon) 70 Doctor (surgeon) Doorman 60 Drainage Workers Draughtsman 70 Dressmaker Driving Instructor Dry Stone Waller Dustman Editor 70 Electrician Engine Driver Engineer Engraver Entertainer Equestrian Workers Estate Agent 70 Fabricator Factory Worker 4

5 Farm Worker Farmer Farrier Fence Erector Financial Adviser 70 Firefighter 60 Fisherman Fitness Instructor 55 Florist 70 Forestry Worker Fork Lift Truck Driver Foster Carer Foundry Worker Funeral Director 70 Furniture Maker Furniture Removal Gamekeeper Gang Master Gardener Gas Installer Gas Pipe Layer General Practitioner 70 Geologist (Not off shore) Glass Blower Glass Cutter Glazier Goldsmith 70 Golf Professional /Coach 60 Graphic Designer 70 Grave Digger Greenkeeper Grocer 70 Groom Ground Worker Guest House Proprietor 70 Gym Instructor 55 Hairdresser Handyman Harbour Master Haulier Head Teacher Helicopter Pilot HGV Driver Home Help Home maker / House Person Horticulturalist Hotel Manager 70 House Keeper IT Consultant 70 IT Engineer IT Manager 70 Jeweller ( retail) 70 Joiner Journalist 70 Judge 70 Kennel Hand Laboratory Technician Labourer Lecturer 70 Legal Executive 70 Librarian 70 Life Boatman Life Guard 60 Light Goods Vehicle driver Linesman Locksmith Lumberjack Machine Operator Maintenance Engineer Manicurist Market Gardener Market Trader Mason Mechanic Merchant Navy Metal Industry Worker Meteorologist Midwife Milkman Miner 55 5

6 Mini Cab Driver Mortgage Advisor 70 Musician Nanny Navy Nuclear Engineer Nurse Nursery Nurse Therapist Offshore Worker 55 Oil Rig Worker 55 Optician Orthodontist 60 Osteopath Paint Sprayer Painter Painter & Decorator Panel Beater Paramedic Pastor 70 Paving Contractor Personal Trainer 55 Pharmacist 70 Photographer Physician 70 Physiotherapist Pianist Piano Tuner 70 Picture Framer Pilot Plant Operator Plasterer Plumber Podiatrist Policeman 60 Porter Postman Printer Prison Officer 60 Production Manager (non manual) 70 Psychiatrist 70 Psychologist 70 Publican Publicist 70 Publisher 70 Quarry Worker Race Horse Trainer 60 Radiographer Radiologist Railway Worker Receptionist 70 Refuse Collector Retail Assistant / Manager Riding Instructor Road Sweeper Roofer Royal Air Force Sales Representative Scaffolder Scrap Dealer Secretary 70 Security Guard / Officer Sewing Machinist Sheet Metal Worker Shoe Repairer Shop Assistant / Keeper Shop Fitter Shot blaster Signalman Signwriter Social Worker Soldier Solicitor 70 Song Writer Sports Coach 55 Sports Person ( Professional) Spray Painter Stablehand Steel Fabricator / Worker Steeplejack 6

7 Stockbroker 70 Store Detective Student Stuntman Support Worker Surgeon Surveyor Tailor Tarmac Layer Taxi Driver Teacher Telephone Engineer Telesales 70 Television Editor Thatcher Tiler Tool Maker Tour Guide Traffic Warden Train Driver Travel Agent 70 Trawlerman Tree Surgeon Truck Driver Undertaker 70 Upholsterer Valet Van Driver Veterinary Nurse Veterinary Surgeon Vicar 70 Waiter / Waitress Warehouse Man Weaver Welder Window Cleaner Window Installer Please Note This booklet was accurate at the time of printing however if you cannot find your occupation or if you require further information please contact the Society. Contact Information If you require any further information please: Visit our website: Contact Customer Care: customercare@cirencester-friendly.co.uk Contact Underwriting: ext 211 underwriting@cirencester-friendly.co.uk Contact Claims: claims@cirencester-friendly.co.uk 7

8 My Earnings Insurance Cirencester Friendly 5 Dyer Street Cirencester Glos. GL7 2PP Tel: /3073 Fax: info@cirencester-friendly.co.uk Web: Cirencester Friendly is a trading name of Cirencester Friendly Society Limited. Registered and Incorporated under the Friendly Societies Act Reg. No. 149F. Cirencester Friendly Society Limited is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number This item has been printed by an ISO14001 accredited environmental printer. The materials used to produce this booklet are elemental chlorine free and wood fibre from sustainable forests. It is also fully recyclable and biodegradable. V1 (JUL 2014)