Zurich

How is Income Protection Select different between Income Protection?

• Income Protection Select has a 24 month limited payment period

• Income Protection has 5 more additional benefits

• Income Protection Select has multi-fracture included

• They are just the same

Ian was a full time employee working 15hrs a week when he got sick, will he be eligible for the benefit guarantee?

• Yes, as long as there was an income drop

• No. he has to be working for at least 16hrs when he got incapacitated

How does Zurich validate the incapacity definition if the client has dual occupation?

• The client chooses his primary occupation as the basis

• The client should have a similar set of responsibilities for both occupation

• The client will be asked to split their occupation activities into different tasks to determine the % of these tasks to their time at work

• Dual occupation is only limited to low-risk occupations

Multiple claims is allowed under Multi-fracture cover but how much is the max benefit the client can get in a year?

• £2000

• £4000

• £6000

• Depends on fracture

A doctor under the NHS sick pay guarantee and takes on split deferred period asks how soon can they get the benefit. What do we say?

• The first for 26 weeks and the second for 52 weeks

• The first for 13 weeks and the second for 52 weeks

• Under the NHS sick pay guarantee, you have a flexible deferred period, just let us know when you'd like to claim

• I am sorry but we only 52 weeks deferred period for doctors regardless

Which statement is true about Increasing cover ( Indexation) for Zurich's Income Protection plans?

• It is automatic every year on the anniversary start date

• there is an 8weeks notice in advance

• if client declines this option 3x during the policy, increasing cover will be removed and won't be added back

• All of the above

Laura asks about the condition covered under the Trauma benefit under Income Protection Select, what do you say?

• Any conditions that was certified by the GP to claim for traumatic benefit

• Any conditions resulting from a traumatic experience are covered

• The conditions covered include blindness, deafness, and if client is unable to do 3 out of 6 activities of daily living

• The conditions covered include blindness, deafness, loss of speech, loss of a hand or foot, paralysis of a limb or the loss of ability to live independently

Which tool can we use to determine the Retirement age for certain occupations?

• Occupational Guide Tool

• Occupation List

• Pre-App tool

• None of the above

Mark's monthly benefit is £6,000/month. His earnings has dropped when he claimed for Income Protection and based on 80% of his reduced earning, his monthly benefit is now £5,500. Is this the actual benefit he will be getting?

• Yes. As the benefit is based on Mark's net earning when he claimed

• No. As this is 90% of his monthly benefit, he will still be getting the maximum amount of £6,000/month

Chris has been redundiated from his work 3 weeks before his claim. He was able to recover after 2months and is now ready to take a job with a less working hours, is he eligible for the return-to-work benefit?

• Yes. Rehabilitation benefit can be provided to clients going back to work but with less working hours

• No. To be eligible, Chris should have been working prior to being incapacitated