You cannot choose a disability. You can choose how you are covered.
A lump-sum benefit if you become permanently disabled. Two benefit options – occupational and functional – designed to cover both your professional ability and your daily functioning.
Choose how you are covered
PPS Disability Cover gives you two ways to be protected – based on your profession or how a disability affects your daily life. You can choose one or combine both for more comprehensive cover.
Pays 100% of your benefit if you are unable to perform your own or a similar occupation due to disability.
Protecting your ability to earn in your specific profession.
Pays 25%, 50%, 75% or 100% of your benefit based on how a disability affects your ability to perform daily activities – even if you can still work.
Protecting your ability to earn in your specific profession.
Comprehensive Cover
Having both occupational and functional disability benefits provides you with more comprehensive cover, which means greater peace of mind as you have more options in your time of need.
What it covers
What your cover provides and pays out.
Pays a 100% lump sum if you can no longer perform your specific occupation due to a disability.
Pays a portion of your benefit based on how a disability affects your ability to perform daily activities.
Functional cover may pay 25%, 50%, 75% or 100%, depending on severity.
You can choose one or both options for more comprehensive protection.
Important to know
A full payout is made if you can no longer perform your occupation.
Payout depends on how your condition affects daily functioning.
If both covers are selected, occupational is assessed first, then functional.
Reduced premiums when combining both cover types.
Occupational Disability Provider converts to a whole-of-life Severe Illness benefit at retirement (from age 59), at no additional cost.
How it works
Your cover can deliver long-term value
As a PPS member, you may receive annual allocations to a PPS Profit-Share Account™, based on the performance of the PPS Group – whether you claim or not.
Why PPS for Disability Cover
Choose cover based on your profession and your daily life.
Cover occupational and functional disability while enjoying the SYNC discount, which reduces your premium.
Tailored to your career and earning ability.
Find the answers you are looking for
We have answered some of the most common questions to help you better understand this solution and make informed decisions with confidence.
Yes. You are covered worldwide, including for hazardous activities, with no extra cost or special permission required.
Claims are paid based on how the condition affects your bodily systems and your ability to function, regardless of your ability to perform your occupation. The payout can be 25%, 50%, 75%, or 100% of your cover.
It pays out if you become permanently disabled and cannot perform your occupation (or a similar occupation, depending on your cover).
The Occupational Disability Provider converts into a Severe Illness benefit that pays out if you are diagnosed with a serious illness, at no extra cost
If you have taken up the functional disability benefit, your claim will be assessed under functional disability, giving you another chance to qualify for a payout.
Already a member? Submit a Disability Cover claim.
Our team handles every claim with care.
Give your family the security they deserve.
Check if you qualify or speak to a PPS-accredited financial adviser today.
Not a qualifying professional? You may still be eligible through glu
