Employee benefits
Occupational disability
Pays a lump sum to an employee who becomes permanently unable to work.
Occupational disability cover pays a lump sum to an employee who is permanently disabled and can no longer do their job. It helps them adjust their home, settle debts and plan for a different future.
It is usually added to a group life scheme, which keeps administration simple.
Who it's for
- Employers with a group life scheme
- Workforces in physically demanding jobs
What it covers
- Lump sum on permanent disability, as a multiple of salary
- Definitions based on the employee's own or a similar occupation
Cover, limits and exclusions differ between insurers and policies. We explain the exact terms of any policy before you buy.
Related cover
Often arranged together
Talk to a broker who works for you, not the insurer.
Tell us what you need covered. We compare the market and come back with clear options.