The specific injury benefit pays you a lump sum benefit if you suffer from an injury specified in the Product Disclosure Statement (PDS) even if you are still working.
This is generally a paid additional option; however select life insurance companies may offer this as part of their standard policies.
The Specified Injury benefit pays you a lump sum payment if you suffer from a specific injury which will be outlined in the PDS.
The benefit will continue to be paid even if you are not working or if you return to work.
If you are unable to work once the specified injury benefit ends and you are still disabled, you may be eligible to be paid under the total or partial disablement benefit option.
The Specified Injury Benefit payment is an advanced payment and is not in addition to your normal monthly benefit.
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The amount you can receive will depend on your injury and your monthly benefit.
Your eligibility to receive the benefit will generally begin from the date of the injury, regardless of your chosen waiting period. However select life insurance companies may only offer the specified injury benefit option if you have a waiting period of less than 90 days.
Each condition specified in the PDS will have a different benefit period. See below table for more information.
Other times the benefit may end include:
The table below is a general list of what injuries and conditions may be covered and what each injury and conditions benefit period is.
| Injury/Condition | Payment Period (months) |
| Paralysis | 60 (unless 2 year benefit period is selected, in which case claim payments will cease at the end of benefit period. |
| Loss of both feet or both hands or site of both eyes | 24 (unless 2 year benefit period is selected, in which case claim payments will cease at the end of benefit period. |
| Loss of Any two of a foot, a hand or sight in one eye | 24 (unless 2 year benefit period is selected, in which case claim payments will cease at the end of benefit period. |
| Loss of one leg or one arm | 18 |
| Loss of one foot or one hand | 12 |
| Loss of sight in one eye | 12 |
| Loss of the thumb and index finger of one hand | 6 |
| Fracture of thigh (femur) | 3 |
| Fracture of pelvis | 3 |
| Fracture of leg (below the knee and above the ankle – tibia and fibula) | 2 |
| Fracture of knee cap (patella) | 2 |
| Fracture of upper Arm (humorous) | 2 |
| Fracture of shoulder bone (scapula) | 2 |
| Fracture of jaw (maxilla and mandible) | 2 |
| Fracture of forearm (Above the wrist – radius and ulna) | 1.5 |
| Fracture of collarbone (clavicle) | 1.5 |
| Fracture of heel (calcaneous) | 1 |
Select insurers have started including specific trauma conditions into this policy option. Please consult your PDS for more information or consult one of our staff. The specified injury benefit may not be suitable to everyone, or offered by every life insurance company.
Benefits of income protection cover include payment of up to 75% of your salary, which you can start to receive when your waiting period ceases!
