Intro Title
Your income is your greatest asset
The PPS Sickness and Permanent Incapacity Benefit is designed to replace or supplement your monthly income. When you become totally or partially unable to work at any time during your career due to sickness or injury, PPS will cover you.
Product Featured Title
Different options to address your unique needs
Choose your premium
Choose between premiums that remain the same, or that escalate following your birthdays, for the duration of your benefits
Choose period of cover
Choose between cover that stops when you turn 60, 65, 70, or that continues for as long as you continue to work
Choose waiting period
Choose between benefits that start paying after you are booked off for 7 days, or 30 days
Cover total earnings
Include bonuses as a salaried employee, or include business expenses as a self-employed professional
Access to profit share
Direct profit allocation to the PPS Profit-Share Account
Benefits Title
All options include great key benefits that automatically apply from day one
All options include great key benefits that automatically apply from day one
Sickness and Actual Business Expense Benefit
When you suffer from an illness or medical condition, we cover you for up to two years while you:
- recover
- adjust your usual professional duties
- change your work methods
Pregnancy-Related Sick Pay Benefit (automatically included)
This breakthrough benefit for PPS members was born of research and insight into the complications our members might face during their pregnancy. The standout factor is that, if a member is unable to attend to her usual duties due to sickness or a complication attributable to pregnancy, childbirth or miscarriage, PPS will pay this sickness benefit. This ensures that a member is not disadvantaged at a time when she is most vulnerable.
NOTE: The sickness must meet the normal claims criteria i.e. it must be medically justified, the member’s benefit waiting periods (for both the sickness benefit and the admission rider benefit) apply and must be confirmed by a gynaecologist/obstetrician.
Permanent Incapacity
After a sickness claim has been paid for an accumulated 728 days, and you are still totally or partially unable to attend to your usual professional duties, the Permanent Incapacity Benefit will kick in.
Additional benefits
Hospital benefit
After a sickness claim has been paid for an accumulated 728 days, and you are still totally or partially unable to attend to your usual professional duties, the Permanent Incapacity will kick in.
Permanent incapacity booster
This benefit automatically increases a partial Permanent Incapacity award to 100%. The monthly payment will never be reviewed by PPS, and is payable until you reach the chosen retirement age.
Family responsibility rider benefit
Take time off work when family members are hospitalised or use funds to cover additional non-medical costs due to the hospitalisation of a family member.
Admission rider benefit
Provides funds to cover non-medical expenses if you are hospitalised for four or more days and unable to attend to your usual professional duties.
