Disability and Serious Illness Cover – Claims Preparation Guide

Description

Prepare the right evidence for the actual benefit definition

A practical South African educational guide to income protection, capital disability, physical and functional impairment, dread disease, critical illness and trauma cover labels.

• Compare occupation, impairment and specified-illness claim tests.
• Prepare medical, occupational and earnings records.
• Separate business turnover from personal insurable earnings.
• Check the first 24 months and later-stage clauses in the actual contract.
• Track evidence, insurer requests and review dates.

12 printable A4 pages with 62 interactive fields. Policy versions and evidence requirements vary. Temporary disability is not universally limited to 24 months, and permanent claims do not automatically start after that period. This is an independent preparation guide, not an insurer claim form, medical assessment or determination of entitlement. No claim outcome is guaranteed. General education only; obtain suitable professional assistance. Get Financial Savvy | @getfinancialsavvy