Injury Cover

Provides a monthly income benefit if the insured employee has been totally or partially disabled due to injury and remains totally or partially disabled after the nominated waiting period. Please note the greater of 28 days or the nominated waiting period applies to all injury claims arising from any code of football.

Benefits are only payable for an injury which occurs whilst the employee is insured by Wageguard.

At the expiry of the waiting period benefit payments are paid 14 days in arrears.

Benefits are reduced by statutory income payments such as workers compensation and other income as detailed on page 7 of the Wageguard Policy Disclosure Statement (PDS). Benefits are also reduced where the insured employee is partially disabled and returns to work in a reduced capacity.

Examples of benefit calculations are shown on page 13 of the Wageguard PDS, see page 14 for complete definition.

Sickness Cover

Provides a monthly income benefit if the insured employee has been totally or partially disabled due to sickness and remains totally or partially disabled after the nominated waiting period.

Benefits are only payable for a sickness which the insured employee first becomes aware of while covered by Wageguard or during a period of previous cover as agreed by Us (see page 14 of the Wageguard PDS for an explanation of previous cover).

At the expiry of the waiting period benefit payments are paid 14 days in arrears.

Benefits are reduced by statutory income payments such as workers compensation and other income as detailed on page 7 of the Wageguard PDS. Benefits are also reduced where the insured employee is partially disabled and returns to work in a reduced capacity.

Examples of benefit calculations are shown on page 13 of the Wageguard PDS, see page 14 for complete definition.

Funeral Cover

Provides a payment to contribute to funeral costs if an insured employee who is in receipt of a total or partial disability benefit dies. The payment is equal to one week's total disability benefit.

Death Cover

Provides a lump sum payment of $20,000 to nominated beneficiaries or the estate on the death of an insured employee. Also provides a lump sum payment of $5,000 in the event of the death of the insured employee's spouse.

Homemaker Assistance

Provides a weekly benefit of up to $200 per week for up to 20 weeks if an insured employee's
spouse who performs homemaker duties and is not in receipt of any income, suffers an injury
or sickness lasting for 24 consecutive hours or more. Homemaker assistance is defined on
page 14 of the Wageguard PDS.

This benefit is only payable once while the insured employee is covered under the policy.

Rehabilitation Assistance

Provides up to $20,000 benefit in respect of insured employees who are in receipt of a total or partial disability benefit, for professional assistance to improve their physical and/or emotional condition. This benefit and the amount payable are at Hannover's absolute discretion.

Return To Work Assistance

Provides up to $20,000 benefit in respect of insured employees who are in receipt of a total or partial disability benefit, for training or advice from a licensed vocational school provided such is undertaken with the agreement of the insured employee's medical practitioner. This benefit and the amount payable are at Hannover's absolute discretion.

Extended Between Job Cover

Cover for an insured employee continues for a period of up to 30 days from the date the insured
employee ceases employment with his or her participating employer provided the insured
employee has written evidence that they accepted a position with another employer prior to
ceasing employment. Cover ceases on the earlier of commencement of the new employment
or 30 days.