How is disability defined under Income Protection?

There are two main categories of disability within Income Protection Insurance: Total and Partial Disability.

If you become Totally Disabled due to sickness or injury, that means:

• that you are unable to perform one or more duties of your occupation important or essential to producing income, and
• that you are not working, whether paid or unpaid, and
• that you are following the advice of a medical practitioner.

If you become Partially Disabled, due to sickness or injury, that means:

• you are only capable of performing some duties of your occupation
• your monthly income is less than your pre-disablement income, and
• you are following the advice of a medical practitioner.