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Balance benefits overview and limits

This benefit... …covers the risk of… …up to:
Life Your death
  • $20,000
Disability Disability that prevents you from working
  • $5,000 for any one period of disability
Involuntary Unemployment Unexpected job loss
  • $5,000 for any one period of involuntary unemployment

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation. 

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation. 

If you are an employee:

  • you stop working as a result of being terminated or being made redundant by your employer, where the job loss is not of your choosing, or
  • you accept the terms of redundancy, offered by your employer, due to organisational downsizing or restructure.

If you are self-employed or in a business partnership, you stop working and it’s not of your choosing, because:

  • you stop the business trading permanently or start to wind it up,
  • the business is placed in the hands of an insolvency practitioner, or
  • for partnerships, you stop trading permanently or dissolve or start to dissolve the partnership.

If you work on a contract or seasonal basis, you stop working as a result of being terminated or made redundant by your employer before the agreed expiry date of the contract, season or task, where the job loss is not of your choosing.

If you leave your job because you have to provide regular and sustained care for a family member without receiving an income (other than Centrelink Carer's Allowance or equivalent), where the accident, condition or disability which caused this need for care, occurred after the policy started.

Balance benefits are all subject to the maximum policy benefit of $20,000, which is the maximum we will pay across all claims under any cover that you make under this policy.


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