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Die impak van ’n besige lewenstyl en hoë lewenskoste veroorsaak dat baie mense nie die bykomende finansiële las van die versorging van ’n bejaarde ouer kan bekostig nie. Daarom is dit van kritiese belang om ’n voordeel te hê wat in jou behoeftes voor en na aftrede voorsien.

Voorbeelde is bloot as 'n riglyn verskaf en maak NIE deel van enige polis uit nie. Die Polishouer se aanspraak op voordele sal deur die bepalings en voorwaardes van die polis bepaal word.
The impact of busier lifestyles and the high cost of living result in many people not being able to afford the added financial burden of taking care of an elderly parent. That is why it is critically important to have a benefit that meets both your pre- and post-retirement needs.
Examples have been provided as a guide only and DO NOT form part of any policy. The Policyholder's entitlement to benefits will be determined by the terms and conditions of the policy. 

Enkelbedrag Ongeskiktheidsvoordeel

Voorbeeld

Neem as voorbeeld mnr Smith wat die Enkelbedrag Ongeskiktheidsvoordeel saam met die Helelewenstermyn-voordeel en ’n versekerde bedrag van R1 miljoen het, sowel as Lewensdekking met ’n versekerde bedrag van R1 miljoen.

Eis voor aftrede

Indien mnr Smith in ’n motorongeluk betrokke is op, sê maar, 35-jarige ouderdom wat hom verlam en ongeskik vir werk laat, sal sy Enkelbedrag Ongeskiktheidsvoordeel R1 miljoen uitbetaal.

Aangesien hy die Enkelbedrag Ongeskiktheidsvoordeel gekies het,{Dit is gekoppel aan sy Lewensdekking} sal sy eis sy Lewensdekking met die eisbedrag laat afneem. Sy Lewensdekkingvoordeel verval dus en sy polis word beëindig.
Indien hy, in teenstelling, die Enkelbedrag Ongeskiktheid Plus-voordeel gekies het, sou sy Lewensdekkingsvoordeel nie verminder het nie. Sy polis sou onveranderd gebly het, met Lewensdekking van R1 miljoen beskikbaar en betaalbaar met sy dood. 

Eis na aftrede 

Indien die motorongeluk na aftrede – op byvoorbeeld 73-jarige ouderdom – plaasgevind het, sou dit as ’n eis vir na aftrede bereken word. Verlamming kwalifiseer vir ’n maandelikse betaling van 1.5% van die voordeelbedrag en hy sal dus R15 000 per maand ontvang (R1 miljoen x 1.5%)
  • Die maandelikse voordeel sal vir die res van sy lewe uitbetaal word.
  •  Benewens sy maandelikse voordeel hoef mnr Smith nie meer die premies vir sy Enkelbedrag Ongeskiktheidsvoordeel te betaal nie
  • En word sy maandelikse betalings jaarliks in lyn met inflasie1 aangepas. 
  • Hierdie maandelikse betalings sal mnr Smith help om die koste verbonde aan verlamming op ’n hoë ouderdom te dek – as hy dalk ’n verpleegster op ’n vol- of deeltydse basis moet kry om hom te versorg. 
  • Maandelikse voordeelbetalings na aftrede sal ook nie mnr Smith se lewendekking verminder nie 
  • En Lewensdekking van R1 miljoen sal steeds beskikbaar en betaalbaar wees met sy dood.

Capital Disability benefit

Example

Consider Mr Smith who has the Capital Disability benefit with the Whole of Life benefit term and a sum assured of R1 million, as well as Life Cover with a sum assured of R1 million. 

Claim before retirement 

If Mr Smith is in a car accident, say at age 35, which leaves him paralysed and unable to work any longer, his Capital Disability benefit will pay out R1 million.
Since he chose the Capital Disability benefit,{Benefit is linked to his Life Cover} this means that his claim reduces his Life Cover by the amount of his claim. His Life Cover benefit therefore reduces to zero and his policy would end. 
On the other hand, if he had chosen the Capital Disability Plus benefit, his Life Cover benefit would not have been reduced and his policy would have stayed in force, with R1 million Life Cover being available and payable on his death. 

Claim after retirement

If the car accident had occurred after retirement, say at age 73, the claim would be assessed as a post-retirement claim. Paralysis qualifies for a monthly payment of 1.5% of the benefit amount and he will therefore be paid R 15 000 per month (R 1 million x 1.5%). 
  • He will be paid the monthly benefit for the rest of his life.
  • In addition to the monthly benefit, Mr Smith will no longer have to pay the premiums for his Capital Disability benefit
  • And his monthly payments will increase annually in line with inflation. 
  • These monthly payments will help Mr Smith to meet the costs associated with being paralysed in old age – he may need to employ a nurse on a fullor part-time basis to help care for him.
  • The monthly payments will have no impact on his Life Cover
  • And the Million Life Cover will be available and payable on his death.
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Kombinasie van Kapitaal Ongeskiktheid en Fisiese / Aantastingsvoordele

Voorbeeld 1:

Aanvanklike Versekerde Bedrag: R 1 000 000. Nie gekoppel aan die lewensdekking nie.

Op ouderdom 34 is die Versekerde Lewe in 'n motorongeluk en word in terme van die polis as fisies ongeskik beskou. 

  • Die Versekerde Lewe word in terme van die eis-evaluerings nie as afgetree beskou nie. 
  • Die volle Versekerde Bedrag van R1 000 000 sal betaal word en die voordeel sal eindig. 
Voorbeeld 2: 

Aanvanklike Versekerde Bedrag: R 1 000 000. Nie gekoppel aan die lewensdekking nie. 

Op ouderdom 34 verloor die Versekerde Lewe sy voet in 'n motorongeluk en 'n eis vir die verlies van 'n voet word erken.

  • Die Versekerde Lewe word nie in terme van die eis-evaluering as afgetree gereken nie 
  • en veronderstel hy word ook nie as fisies ongeskik gereken in terme van die eis-evaluering nie.
Die bedrag betaalbaar is: 

  1. 25% van R 1 000 000 = R 250 000. 
  2. 75% van die Versekerde Bedrag is nog beskikbaar om te eis.
Op ouderdom 35 verloor die Versekerde Lewe in 'n tweede motorongeluk die gebruik van sy linkerarm onder die elmboog.

  • 'n Daaropvolgende eis onder die 'Ledemate'-voordeelkategorie word erken. 
  • Die Versekerde Lewe word nie in terme van die eis-evaluering as afgetree gereken nie. 
  • Die bedrag betaalbaar is 50% van die Versekerde Bedrag, 
  • maar 25% is reeds onder die 'Ledemate'-voordeelkategorie betaal. 
  • Dus word net die aanwaspersentasie van 25% nou betaal. 
Die bedrag betaalbaar is:

  1.  25% van R1 000 000 = R250 000. 
  2. 50% van die Versekerde Bedrag kan nog geëis word. 
Op ouderdom 74 kry die Versekerde Lewe 'n hartaanval en word met kroonslagaarsiekte gediagnoseer. 

  • Die Versekerde Lewe word in terme van die eis-evaluering as afgetree beskou. 
  • Die na-aftrede uitbetaling vir die erns van die aantasting wat hy ly, is 0.5% as 'n maandelikse voordeel. 
  • Slegs 50% van die Versekerde Bedrag is nog beskikbaar vanweë die erkenning van 'n voor-aftrede eis. 
  • Die betaalbare bedrag sal dus op 50% van die Versekerde Bedrag bereken word, naamlik R500000. 
Die bedrag betaalbaar is: 

  1. 0.5% van R500 000 per maand = R2 500 per maand. 
  2. Aangesien 'n na-aftrede eis erken is, hoef geen verdere Premies op die voordeel betaal te word nie. 
  3. Na elke eisjaardag sal die eisbedrag vermeerder met die mindere van die VPI of 10.5%. 
  4. Indien die VPI 10% was, sou die eisbedrag met die eerste eisjaardag toeneem tot R2 750, 
  5. na die tweede eisjaardag tot R3 025 
  6. en die jaarlikse styging sal voortgaan om met elke daaropvolgende eisjaardag toegepas te word. 
Kort na die tweede eisjaardag word die Versekerde Lewe gediagnosser met erge afasie en voldoen aan die kriteria vir die uitbetalingsvlak van 1.5% per maand. 

  1. Die Versekerde Lewe se maandelikse voordeel van R3 025 sal vermeerder word met die verhouding van 1.5% en 0.5%. 
  2. Die Versekerde Lewe se voordeel sal derhalwe tot R9 075 vermeerder word. 
Combination of Capital Disability and Impairment Benefits

Example 1:

Initial Sum Assured: R 1 000 000. Not linked to the life cover.

At age 34, the Life Assured is in a car accident and is considered disabled in terms of the policy. 

  • The Life Assured is not considered retired in terms of the claims assessment. 
  • The full sum assured of R1 000 000 will be paid and the benefit will end. 
Example 2: 

Initial Sum Assured: R 1 000 000.Not linked to the life cover: 

At age 34, the Life Assured loses his foot in a car accident and a loss of foot claim is admitted. 

  • The Life Assured is not considered retired
  • and suppose that he is also not considered disabled in terms of the claims assessment. 
The amount payable is: 

  1. 25% of R 1 000 000 = R 250 000. 
  2. 75% of the Sum Assured is still available to be claimed.
At age 35, the Life Assured is then in another car accident and loses the use of his left arm below the elbow.
 
  • A subsequent claim under the Limbs benefit category is admitted. 
  • The Life Assured is not considered retired 
  • and suppose that he is also not considered disabled in terms of the claims assessment. 
  • The amount payable is 50% of the Sum Assured, 
  • but 25% has already been paid under the Limbs benefit category. 
  • Therefore only the incremental portion of 25% will now be paid.
The amount payable is:

  1. 25% of R1 000 000 = R250 000. 
  2. 50% of the Sum Assured is still available to be claimed. 
At age 74, the Life Assured suffers a heart attack and is diagnosed with coronary artery disease. 

  • The Life Assured is considered retired in terms of the claims assessment. 
  • The post retirement payout for the severity of the impairment he suffers is 0.5% as a monthly benefit. 
  • Only 50% of the Sum Assured is still available because of the 50% pre retirement claims admitted. 
  • Therefore the amount payable will be based on 50% of the sum assured i.e. R500 000. 
The amount payable is:

  1. 0.5% of R500 000 per month = R2 500 per month. 
  2. As a post retirement claim has been admitted, no further Premiums for the benefit are required to be paid. 
  3. After every claim anniversary, the claim amount will be increased by the minimum of CPI and 10.5%. 
  4. If CPI was 10% the claim amount would be increased to R2 750 at the first claim anniversary, 
  5. R3 025 after the second claim anniversary 
  6. and the annual escalation will continue to be applied at every claim anniversary thereafter. 
Soon after the second claim anniversary the Life Assured is diagnosed as suffering from severe aphasia and meets the criteria for the 1.5% per month payout level. 

  1. The Life Assured's monthly benefit of R3 025 will be increased by the ratio of 1.5% and 0.5%. 
  2. Therefore the Life Assured's benefit benefit will be increased to R9 075.
Source/Bron:  Extractions-Uittreksels Liberty Techspecs 
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