IF YOU ARE DISABLED THROUGH ILLNESS OR AN ACCIDENT AND CAN NO LONGER WORK, WHAT CAN YOU DO TO ENSURE THAT YOU HAVE ENOUGH MONEY TO SUPPORT YOURSELF AND YOUR FAMILY?

You are the breadwinner in your family. Imagine what would happen to your family if you died suddenly and you had no life insurance. Your income would stop, and there would be nothing to replace it. In the same way, if you became permanently disabled and had no disability assurance, you and your family would suffer.

Life and disability assurance protects YOUR income should you die or become disabled. In return for a small monthly payment (premium) a life assurance company will pay out a certain amount of money should you die or become unable to work.
DEATH BENEFITS
If you die before retirement your dependants will receive a lump sum of money from your life assurance. The amount is based on your annual salary, on your age when you die and on how many years you have been a member of the fund. Your dependants will also receive your retirement benefit. 		DISABILITY BENEFITS
If you become permanently disabled before retirement, most funds will pay you a portion of your regular salary. You still keep you death benefit, and you will receive you retirement benefits at retirement age. However, some funds may pay you a lump sum consisting of disability assurance and retirement benefits. You then stop being a member of the fund.
Find out what benefits you can expect to receive from your fund. Your benefits change each year as your salary changes and as your years of membership in the fund increases. Check these figures at least once a year.