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Your earning ability: an asset worth protecting

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.

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What some of our members have to say

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Not only does the PPS Sickness and Permanent Incapacity benefit pay out even if you are still earning an income,
it offers a waiting period as short as seven days. Here is how some of our members have benefited:

JB Erasmus

When Rassie's illness left him with lung damage, he could no longer continue with his chosen profession.

Karien Schoeman

Losing her voice meant that Karien was also in danger of losing her income

Leon Visser

When Leon lost three fingers in an accident, he knew his life would change forever.

Liane Heymans

When Liane was paralysed in an accident at the age of 25, her ability to support herself was in doubt.

Vaughan Rimbault

Vaughan understood his career had risks, so he made sure his income was covered in case of an accident.

Varsha Padayachee

Severe clinical burns caused physical as well as emotional trauma for Varsha, but she overcame this setback.

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Different options to address your unique needs

Choose your premium

Choose between premiums that remain the same or that escalate following your birthday, for the duration of your benefits.

Choose your 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 your waiting period

Choose between benefits that start paying after you are booked off for seven or 30 days.

Cover your 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.

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All options include great key benefits that automatically apply from day one

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 and the admission rider benefits) apply and must be confirmed by a gynaecologist/obstetrician.


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


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.


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Additional benefits

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.
Claims Ticker Title
2023 Claims paid


Sickness benefit


Diseases of
the musculoskeletal
system and
connective tissue


Diseases of the
respiratory system




Pregnancy and


Mental and
behavioural disorders


Permanent Incapacity benefit


Diseases of the
system and connective


Mental and behavioural







Get in touch.

The next step is to call us on 0860 123 777 or we will call you.
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