INMO Income Protection Scheme - Prismic
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
INMO Income Protection Scheme
2 INMO Income Protection Scheme
Contents
This book is split into the following sections:
1. Introduction 4
2. Benefits 9
3. Cost 24
4. Claims 26
5. Frequently Asked Questions 36
6. Specified Illnesses Appendices 40
Disclaimers
This book is intended as a guide only. The Scheme is governed by the master Policy Document No. 9236 issued by Irish Life.
Members of the Scheme may request a copy of the policy document from the head office of the INMO or the Dublin office of
Cornmarket Group Financial Services Ltd.
This book is issued subject to the provisions of the policy and does not create or confer any legal rights. The information
contained herein is based on our current understanding of Revenue law and practice as of January 2019.
If there is any conflict between this document and the policy document, the policy document will prevail.
No part of this book should be read in isolation.
Please save a copy of this book for future reference.
Information in this book is correct as of January 2019 but may change. For the latest information, please see cornmarket.ie
Where we say ‘Insurer’ in this book, we mean Irish Life.
Where we say ‘we’ or ‘us’ we mean Cornmarket.
Visit cornmarket.ie 3
1. Introduction
Overview of Key Benefits
1
A replacement income of up to 75% of
Disability Benefit your annual salary if you can’t work due to
illness or injury*
2
A benefit of 25% of your annual salary if
Specified Illness
you suffer one of the 36 Specified Illnesses
Benefit covered**
A Death Benefit of twice your annual salary.
Also:
3
• Accidental Death Benefit – €15,000
Life Cover
• Children’s Death Benefit - €4,000
• Terminal Illness Benefit – 25% of Death
Benefit
*Less any other income that you may be entitled to e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation
Remuneration, State Illness or Invalidly Benefit. **Please see the Appendices from page 40 to 65 for full details, in particular the
policy definition of each Specified Illness and its pre-existing and related conditions.
4 INMO Income Protection Scheme
The Scheme in Action*
The true value of the Scheme can be seen in
the vital benefits that it pays out to members
and their families.
10,110 €33.8 million
Members currently Paid in Disability Benefit
in the Scheme† to date
€9.6 million €3.6 million
Paid in Disability Benefit Currently paid in Disability
since the 2016 review Benefit annually
€2.9 million €6.6 million
Paid in Death Benefit Paid in Death Benefit
since the 2016 review to date
*Source: Claims: Irish Life, August 2018.
†Membership: Cornmarket, July 2018.
Visit cornmarket.ie 5Eligibility
You may apply to join this Scheme if you are:
1) A member of the INMO union. *Actively at work today
This means you:
You must remain a member of the - Are working your normal contracted hours
INMO union to remain an eligible - Have not received medical advice to refrain
member of the Scheme and from work
- Are not restricted from fully performing the
2) Under age 60 and normal duties associated with your occupation
You are considered to be ‘actively at work’ if you are
3) Working as an agency Nurse/Midwife on paid or unpaid maternity leave.
for 2 or more years and You are not considered to be ‘actively at work’ if you
are on Career Break or any other type of unpaid
4) Working 8 hours or more per week leave and cannot apply to join the Scheme.
and Those who are job/work sharers (i.e. work 50% or less
than the normal working week) and who satisfy the
5) Employed under at least one of the
above criteria may apply to join.
following conditions:
• On a permanent basis or
• On a fixed-term contract of at
least 12 months duration or
• Working continuously for the past
12 months and
6) Actively at work today.*
Apply to join now,
simply call us on
(01) 470 8054
6 INMO Income Protection SchemeRoles
Cornmarket’s role The Insurer’s role
includes: includes:
1. Negotiating with the 1. Deciding the policy
Insurers to obtain the terms and conditions
best possible benefits and creating a policy
and cost. document to reflect
these.
2. Assisting members who
wish to make a claim 2. Medically assessing
from the Scheme. Please applications and claims.
see page 26 for more Please see page 26 for
information. more information.
3. Promoting the Scheme. 3. Deciding the various
aspects of an individual
member’s cover e.g.
if membership of
the Scheme can be
reactivated, if refunds
can be made and
if arrears and/or a
declaration of health
are required.
Visit cornmarket.ie 78 INMO Income Protection Scheme
2. Benefits
Disability Benefit
In the event that your salary* is affected because
you are unable to work due to illness or injury, this
benefit aims to pay you an income of up to 75%
of salary after a certain period of time.
The Disability Benefit paid is less any Ill Health Early Retirement Pension
other income, reward, award, pension, applies regardless of whether you are a
or benefit that you are entitled to ‘D’ or ‘A’ PRSI contributor and whether
(regardless of whether you are receiving you contribute to the Superannuation
this amount or not). For example: Scheme or not.
- Temporary Rehabilitation There is no limit on the number of
Remuneration (TRR) - May be paid by Disability Benefit claims you can make
an employer to an employee subject while a member of the Scheme.
to certain criteria.
*See page 12 for definition of Salary.
- State Illness Benefit/State Invalidity
Pension - Those paying PRSI at the
‘A’ rate may be entitled to this benefit
from the State.
- Ill Health Early Retirement Pension
(IHERP) - Those who retire on the
grounds of ill health may be entitled
to this from their employer.
Visit cornmarket.ie 9Example of how the
Scheme works
This example is based on a Public Sector It is assumed that standard Public
employee, who is a member of the Sector sick leave arrangements apply,
Superannuation Scheme with 20 years’ extended paid sick leave under the
service earning €50,000 per annum, Critical Illness Protocol does not apply
who is now unable to work due to illness and Ill Health Early Retirement Pension is
or disability. granted after 2 years.
WITHOUT Income Protection
D Rate PRSI Example A Rate PRSI Example
100% 100%
€962 €962
p.w. p.w.
75% 75%
50% 50%
€481 €481
33% 37% p.w.
p.w. of salary €198 €204
of salary
€321 €321 p.w. p.w.
p.w. p.w.
€158 €158
p.w. p.w.
0% 0%
First 13 After 13 After 26 After 2 First 13 After 13 After 26 After 2
weeks weeks weeks years weeks weeks weeks years
of illness of illness of illness sick leave of illness of illness of illness sick leave
Sick Pay Temporary Ill Health Early State Illness State Invalidity
Rehabilitation Retirement Benefit Pension
Remuneration Pension
10 INMO Income Protection SchemeWITH Income Protection
D Rate PRSI Example A Rate PRSI Example
100% 100%
€962 €962
p.w. p.w.
75% 75%
of salary
€240
of salary €240
€400 €400 p.w. €365 €359
p.w.
50% p.w. p.w.
50% p.w. p.w.
€481 €481 €198 €204
25% 25% p.w. p.w. p.w.
p.w. €321 €321
p.w. p.w. €158 €158
p.w. p.w.
0% 0%
First 13 After 13 After 26 After 2 First 13 After 13 After 26 After 2
weeks weeks weeks years weeks weeks weeks years
of illness of illness of illness sick leave of illness of illness of illness sick leave
Scheme Sick Pay Temporary Ill Health Early State Illness State Invalidity
Benefit Rehabilitation Retirement Benefit Pension
Remuneration Pension
Staff recruited to the Public Service on
or after 6th April 1995 pay class A PRSI.
Their Superannuation Scheme pension is
integrated to take account of the value
of the Contributory State Pension in
calculating the pension payable. In the
event of illness, they may typically claim
State Illness Benefit.
Visit cornmarket.ie 11Deferred Period Definition of Salary
After you are accepted as a member of For those who pay their premiums
the Scheme, if you need to make a claim through their salary, salary is defined as:
the Deferred Period is the waiting period
(i) For members of a Superannuation
before the Disability Benefit becomes
Scheme: Basic annual salary at the
payable.
end of the relevant Deferred Period,
For the purpose of this Scheme the plus the average of any allowances
Deferred Period is: received in the preceding 3 years,
which are taken into account for sick
pay and/or for the purposes of that
- 13 weeks (92 days) disability in Superannuation Scheme* or
a rolling 12 month period or 26
weeks (183 days) in a rolling 4 (ii) For those who are not members
year period, where standard sick of a Superannuation Scheme:
leave has been granted. Basic annual salary at the relevant
Deferred Period, plus the average
- 26 weeks (183 days) disability in of any allowances received in the
a 12 month period or 52 weeks preceding 3 years; which would be
(365 days) in a rolling 4 year taken into account for sick pay and
period, where extended paid for the purposes of a Superannuation
sick leave has been granted Scheme*.
- referred to as Critical Illness
Protocol. For those who pay their premiums by
direct debit, salary is defined as:
The lower of either the salary covered by
If you have taken sick leave before your premiums or the actual salary you
joining the Scheme, the Insurer will take are earning at the end of the relevant
this into account when calculating your Deferred Period, as confirmed by your
Deferred Period. employer. You must advise Cornmarket
of any salary changes so that we can
If you have been accepted with an
adjust your premium accordingly. This is
excluded condition, any sick leave
to ensure that your cover is provided in
relating to that condition will not be
line with your current gross salary and
taken into account for the calculation of
that you are paying the correct premium
the Deferred Period.
amounts.
For Agency nurses/midwives joining
the Scheme, your salary is based on
self declared earnings. Declared salary
should be the average of the previous 2
years’ earnings.
12 INMO Income Protection SchemePeriodically, you may review your *Depending on the type of claim being made, the
salary will be established at different points in time e.g.
declared earnings subject to proof of • Disability Benefit - the end of the relevant Deferred
actual earnings e.g. payslip or P60. Period
• Death Benefit - on the date of death
You must advise Cornmarket of any • Specified Illness - on the date of diagnosis.
salary changes so that we can adjust
your premium accordingly. This is to
ensure that your cover is provided in line
with your current gross salary and that
you are paying the correct premium
amounts.
Disability Benefit
Exclusions
There are no general exclusions on If this happens, a form will be sent to
Disability Benefit. you as part of the application process
with the details of the exclusion(s) and
However, when you apply to join the you will have the opportunity to decide
Scheme, the Insurer may offer you if you wish to accept the cover with
cover with some exclusions that apply the exclusion(s) or not. If an exclusion(s)
specifically to you. For example, if you applies to you, then sick leave used for
inform the Insurer that you have a back the excluded condition(s) cannot be
problem on your application form, taken into account for the calculation of
they may offer you membership of the the Deferred Period.
Scheme with a back exclusion. This
means that you would never be able to
claim for an illness or injury relating to
your back.
Visit cornmarket.ie 13Disability Benefit
Limitations and
Restrictions
Definition of Disability
In order for a claim to be paid, the Insurer must be satisfied that you are totally
disabled. This means that you are totally unable to carry out the duties of your
normal occupation because of illness or injury and that you are not engaged in
any other occupation (whether or not for profit, reward, remuneration or benefit-
in-kind).
Late Notification of Claims: It is not Disability Benefit will not be paid
often possible to retrospectively if you cannot work due to strike or
assess the validity of a claim in cases unemployment.
where a significant period of time
The maximum benefit is €150,000
(approx. 3 months) has elapsed since
per year.
your salary reduced or ceased. For
this reason, it is vital that you register Any sick leave used before you are
your claim promptly in line with the accepted as a Scheme member will
guidelines given (8-9 weeks before not be used in the calculation of the
your salary reduces to half pay or Deferred Period.
ceases altogether). In the case of late If you have been accepted with an
notification of a claim, cases will be excluded condition, any sick leave
assessed on individual merit and the relating to that condition, will not be
Insurer reserves the right to decline taken into account for the calculation of
to assess the claim. the Deferred Period.
If your claim is admitted...
- 75% of salary will be paid for a
maximum of two years only. After this
a pension amount will be deducted
from the benefit regardless of
whether or not you are in receipt of
same. This is referred to as Notional
Early Retirement Pension (NERP).
14 INMO Income Protection Scheme- the benefit you receive from the
Insurer will be treated as income and **INMO members who
as such is liable to income tax, PRSI,
Universal Social Charge, etc. The
entered/re-entered the
Insurer will deduct any tax due from Public Sector before the 1st
the Benefit made to the member, April 2004 are covered until
in the same way as an employer age 60. INMO members
deducts tax from an employee.
who entered/re-entered
Public Sector on/after 1st
If your claim is admitted, this Disability
Benefit will continue until:
April 2004 are covered until
- You recover age 62. If you re-entered
- You resign service on/after 1st April
- You go back to work (benefit may 2004 with a break of more
continue to be paid if the return is than 26 weeks that was
at a reduced level due to partial not due to a career break
disability)
or unpaid leave, you are
- the Insurer decides that you are fit
deemed to be a new
to return to work based on medical
evidence* entrant.
- You reside outside of Ireland for
more than 6 calendar months (unless
agreed otherwise with the Insurer in
advance)
- You retire (unless you are claiming
from the Scheme and retire on an Ill
Health Early Retirement Pension)
- You reach age 60/62 depending on
date of entry/re-entry to the Public
Sector**
- You die
whichever is earliest.
*If you have been in continuous receipt of Disability Benefit
for more than 12 months, 3 months notice will be given before
your Disability Benefit is ended.
Visit cornmarket.ie 15Death Benefit
In the event of your death, a once-off lump sum
will be paid to your estate. For most members
the amount paid will be twice their gross annual
salary*.
However, for some members who
availed of the option to increase their
Terminal Illness
Death Benefit, this will be 3 or 4 times Benefit
their gross annual salary*. In the event that you are certified by
a medical consultant** with a terminal
If a Death Benefit claim is admitted, the
illness, with death expected within 12
benefit will be paid by the Insurer tax
months, and the Insurer accepts this;
free. However, thereafter, beneficiaries
the Scheme will pay 25% of the Death
of the estate will be subject to
Benefit to you tax-free.
whatever taxes apply at the time of
the inheritance and it will be their ** The consultant must be of a major hospital in Ireland
or the United Kingdom.
responsibility to ensure they are meeting
their full tax liability.
Terminal Illness Benefit -
Exclusions
Exclusions
Exclusions apply where death is caused
Exclusions apply where the death is from
directly or indirectly by:
taking part in war.
1. Taking part in any criminal act
Limitations and Restrictions 2. Taking drugs (other than under the
This Benefit ceases at age 65. direction of his/her own or any other
registered medical practitioner) or
As this is a Group Scheme you cannot alcohol
assign the Death Benefit against a
3. Taking part in aviation (other than as
mortgage.
a fare-paying passenger) or in motor
car or motor cycle racing or
4. The member’s own deliberate act.
Terminal Illness Benefit -
*Please see page 12 for definition of Salary.
Limitations and Restrictions
This benefit ceases at age 62.
16 INMO Income Protection SchemeAccidental Death Children’s Death
Benefit Benefit
In the event of accidental death, a In the event that a member’s child
benefit of €15,000 is payable tax-free between the ages of 0-21 dies, a Death
in addition to the normal Death Benefit. Benefit of €4,000 will be paid to the
‘Accidental Death’ is defined as ‘death member tax-free. Children’s Death
as a direct result of a bodily injury arising Benefit applies to all natural or adopted
from an external and accidental cause children.
which leaves a visible bruise or wound’
and is in no way linked to disease or Children’s Death Benefit -
physical disorder. Exclusions
This benefit can only be claimed by the
Accidental Death Benefit - Scheme member. This means that the
Exclusions Scheme member’s Estate cannot claim
Exclusions apply where death is caused it in the event that the Scheme member
directly or indirectly by: has died.
1. Taking part in any criminal act In the event that both parents are
2. Taking drugs (other than under the members of this Scheme, this benefit will
direction of his/her own or any other only be paid once.
registered medical practitioner) or
alcohol Children’s Death Benefit -
3. Taking part in aviation (other than as Restrictions and Limitations
a fare-paying passenger) or in motor
This benefit ceases at age 21.
car or motor cycle racing or
4. The member’s own deliberate act.
Accidental Death Benefit -
Restrictions and Limitations
This benefit ceases at age 65.
Visit cornmarket.ie 17Specified Illness Benefit
Full Benefit
If you are diagnosed with one of the illnesses
listed below, and meet the definition/criteria of
that illness (see Appendices from page 40 - 65),
this benefit will pay a once-off, tax-free lump
sum of 25% of your annual salary* at the date
of diagnosis.
Please note: The Specified Illnesses marked ❖ below, were introduced at the 1st June 2012
review. The other Specified Illnesses were introduced from 1st April 2007. Only members with
diagnoses that occur after these dates are eligible to claim Specified Illness Benefit for these
illnesses. If, prior to joining the Scheme, you have suffered from one of the Specified Illnesses,
you will never be covered for that illness.
• Alzheimer’s Disease • HIV infection
• Aorta graft surgery • Kidney failure
• Aplastic Anaemia ❖ • Liver failure ❖
• Bacterial Meningitis ❖ • Loss of limbs
• Benign brain tumour ❖ • Loss of speech
• Benign spinal cord tumour • Major organ transplant
• Blindness • Motor Neurone Disease
• Cancer (malignant) • Multiple Sclerosis
• Cardiomyopathy ❖ • Paralysis of Limbs
• Coma • Parkinson’s Disease (idiopathic)
• Coronary artery bypass graft • Primary Pulmonary Hypertension ❖
• Creutzfeldt-Jakob Disease ❖ • Progressive Supranuclear Palsy ❖
• Deafness • Pulmonary Artery Surgery ❖
• Dementia ❖ • Respiratory failure of specified
• Encephalitis ❖ • severity ❖
• Heart attack (diagnosed) • Severe burns or 3rd-degree burns
• Heart surgery requiring median • Stroke
• sternotomy • Systemic Lupus Erythematosus ❖
• Heart valve replacement or repair • Traumatic head injury ❖
*See page 12 for definition of Salary.
18 INMO Income Protection SchemePartial Benefit
If you are diagnosed with one of the illnesses
listed below, and meet the definition/criteria of
that illness (see Appendices from page 40-65),
this benefit will pay a once-off, tax-free lump
sum of the lesser of €10,000 or 25% of your salary*
at the date of diagnosis.
Please note: The qualifying Specified Illnesses below were introduced at the 1st June 2012
review. Only members with diagnoses that occur after this date are eligible to claim Specified
Illness Benefit under the Partial Payment section for these illnesses. If, prior to joining the
Scheme, you have suffered from one of the Specified Illnesses listed below you will never be
covered for that illness.
• Brain abscess drained via • Ductal carcinoma in situ of the
craniotomy breast
• Carcinoma in situ • Low level prostate cancer with
• Carotid artery stenosis Gleason score between 2 and 6
• Cerebral arteriovenous • Less severe 3rd-degree burns
malformation • Loss of one limb
• Coronary Angioplasty • Surgical removal of one eye
*See page 12 for definition of Salary.
Visit cornmarket.ie 1920 INMO Income Protection Scheme
Specified Illness Benefit
Exclusions
Specified Illness Benefit and Partial Specified
Illness Benefit Claims will not be paid, if, in the
opinion of the Insurer, the diagnosis arises directly
or indirectly as a result of:
a) taking alcohol or drugs (other than
under the direction of a registered
medical practitioner) or
b) failure to follow reasonable medical
advice in relation to a cause or latent
cause of sickness.
Visit cornmarket.ie 21Specified Illness Benefit
Limitations and
Restrictions
Specified Illness Benefit became a - You will not be able to make a
benefit of the Scheme on 1st April 2007. Specified Illness Claim for an illness
The Specified Illnesses marked ❖ on that:
page 18, were introduced on 1st June • You suffered from prior to joining
2012. You can only claim for diagnoses the Scheme
that occur after these dates.
• Relates to a condition which
- If you make a Full Specified Illness you were already suffering from
Claim, you will not be able to make a at the time of your application
further Full or Partial Specified Illness and/or where you were under
Claim. If you make a Partial Specified medical investigation, regardless
Illness Claim, you will still be able to of whether you were aware of the
make a Full Specified Illness Claim. condition at that time
- If you are diagnosed with one of the • Relates to a condition which you
Full Specified Illnesses within 30 days were already suffering from before
of diagnosis of a Partial Specified the date that Specified Illness was
Illness, a claim will be assessed on the introduced to the Scheme
Full Specified Illness only. • If, in the Insurer’s opinion, the
diagnosis has occurred directly
- A Specified Illness Claim will only
or indirectly as a result of taking
be paid if the diagnosis/severity
alcohol or drugs (other than
meets the specific definition/
under the direction of a registered
criteria outlined for that illness in the
medical practitioner)
Appendices on pages 40-65.
• If, in the Insurer’s opinion, the
diagnosis has occurred directly or
indirectly as a result of failure to
follow reasonable medical advice
in relation to a cause or latent
cause of sickness.
22 INMO Income Protection SchemeLate notification clause:
You must make a Specified Illness Claim Please see Appendices from page
within 12 months of being diagnosed. 40-65 for more details.
Failure to make a claim within this time
The Benefit ceases at age 65.
period may result in the Insurer declining
to assess your claim.
- There is a waiting (deferred) period Definition of Salary for Specified
for some Specified Illnesses. Please Illness Benefit
see Appendices on pages 40-65 for Please refer to page 12 for definition of
more details. Salary.
- There is a survival period for some
Specified Illnesses. You must survive
for a minimum period after the date
of diagnosis or surgery took place,
before a payment can be made. In
the event of death within this period
no benefit is payable. The relevant
periods are:
(a) 14 days for heart attack, coronary
artery surgery, angioplasty
(two arteries),cancer, coma,
emphysema, stroke, kidney failure,
heart valve surgery, aorta graft
surgery, major organ transplant,
benign brain tumour, multiple
sclerosis, motor neurone disease,
severe burns, Creutzfeldt-Jakob
disease (CJD), HIV infection,
paralysis of two or more limbs and
severance of two or more limbs
(b) 6 months for Parkinson’s Disease,
Alzheimer’s Disease, transplant
and loss of sight
(c) 12 months for deafness and loss of
speech
(d) 14 days after surgery in cases
where there has been pre-
payment of part of the benefit.
The balance of the benefit would
be paid upon survival after this
period.
Visit cornmarket.ie 233. Cost
The total Scheme premium is 2.33% of gross
salary. This includes the 1% insurance levy.
Scheme cost Income Tax Relief
The breakdown of this premium is: The portion of your Scheme premium
that is paid towards Disability Benefit is
Disability Benefit 1.92% eligible for Income Tax Relief.
Death Benefit 0.22% Below are some examples of cost for
Specified Illness various salary amounts taking income
0.14%
Benefit tax relief into account:
Medical Immunity Income Weekly ‘Real’ weekly
for Retired Members’ 0.05% premium premium
Life Cover Plan* after tax relief
Total Cost 2.33% €30,000 €13.40 €11.19*
*Allows members to join Cornmarket’s Retired Members’ €40,000 €17.86 €11.97**
Life Cover Plan, without medical underwriting. Terms &
Conditions apply. €50,000 €22.33 €14.97**
*If you are paying income tax at 20% your net premium rate
will be 1.95%
Warning: The current premium may
**If you are paying income tax at 40% your net premium rate
increase after the next Scheme will be 1.56%.
review which will take place on/after
1st September 2019.
Cornmarket’s Retired Members’ Life
Cover Plan Medical Immunity
0.05% of your overall premium entitles For more details on this Plan,
you to join Cornmarket’s Retired
please contact us on
Members’ Life Cover Plan when you
retire, without any medical underwriting, (01) 470 8054 or email
once you apply to join within a certain clientservices@cornmarket.ie
time period of retiring.
24 INMO Income Protection SchemePayment Methods
Your premiums may be paid via deduction at
source from salary or direct debit.
If you pay your premiums - Your premiums will reflect the
through salary last gross salary you notified to
The premium will be split under two Cornmarket or the last gross salary
headings on your payslip. One heading that we estimated for you at the last
reflects the Disability Benefit portion Scheme review. As a result, the salary
of your premium and automatically covered by the Scheme will be based
receives income tax relief, the other on either the salary covered by your
heading reflects the premium for the premiums or the actual salary you are
remaining benefits and does not receive earning at the end of the Deferred
income tax relief. You are eligible for Period as confirmed by your employer,
income tax relief at your highest rate whichever is lower. The onus is on you
of income tax on the Disability Benefit to ensure you advise Cornmarket of
premium. any salary changes so that we can
adjust your premium accordingly so
Your premiums will increase and that your cover is provided in line with
decrease in line with your salary your current gross salary and you are
changes and as a result, the salary paying the correct premium amounts
covered by the Scheme will be your
- You may incur charges from your
salary as confirmed by your employer on
bank.
the last day of your Deferred Period.
You must ensure that the premiums
Remember...
deducted from your salary are correct
and reflect your salary. As this is an insurance policy, you
must keep up your premiums in
If you pay your premium by order to stay on cover. Failure to
direct debit pay premiums, could result in your
membership of the Scheme lapsing.
- You will need to send a Premium
This means you will no longer be a
Statement to Revenue in order to
member of the Scheme and you will
claim income tax relief. If, throughout
not be on cover for any benefits. In
the course of your membership
the event that you wish to become
of the Scheme, you change your
a member of the Scheme again, you
cover and hence premium amount,
would have to apply to be a member
you should request an up-to-date
and be medically underwritten.
Premium Statement from Cornmarket
Your application may be accepted,
to send to Revenue so that Revenue
declined, postponed or accepted
can amend your income tax relief
with exclusions.
accordingly.
Visit cornmarket.ie 254. Claims
Roles
Cornmarket’s Role
Cornmarket’s role is to help guide members through the claims process.
Cornmarket has considerable experience in this area and works closely
with the claimant, Insurer and third parties to help get claims processed as
efficiently as possible. Cornmarket has its own dedicated, in-house Claims
Administration Team. The team members will do all they can to help in a
member’s time of need. If you need to make a claim, it will be dealt with in a
professional and sensitive manner.
Our contact details for making a claim are:
Phone: (01) 408 4018
In the interest of Customer Service we may record and monitor calls.
Email: spsclaims@cornmarket.ie
Post: SPS Claims Department, Cornmarket Group Financial Service Ltd,
Christchurch Sq., Dublin 8
Our offices are open Monday-Friday 9:00 - 17:30.
The Insurer’s Role
The Insurer’s role is to medically assess claims and decide whether or not claims
should be paid. If they decide that a claim is payable, they will calculate and
pay the benefit.
26 INMO Income Protection SchemeDisability and Specified
Illness Benefit Claims
How to make a Disability or Specified Illness
Specified Illness Benefit claim Contact Cornmarket as soon as
possible, as it may take a number of
Disability
weeks to process the claim. See Late
Contact Cornmarket as soon as you Notification clause on page 23.
think that your salary may reduce to half
pay or cease altogether due to illness or It is not often possible for the Insurer
injury because: to retrospectively assess the medical
validity of a claim. If they cannot
(i) Disability Benefit claims take medically assess a claim, the Insurer
approximately three months reserves the right to decline to assess
to process from the date your the claim.
completed claim form is received.
The exact length of time it will take Can I nominate someone to
to process a claim is dependent contact Cornmarket on my
upon how long it takes for the
behalf in relation to a Disability
Insurer to get data from third parties
such as G.P.s, specialists, unions/
or Specified Illness Benefit
associations and employers. With claim?
that information they must be You can nominate someone to contact
satisfied that: Cornmarket on your behalf and to
- A member is a valid member of the assist you with your claim, for example,
Scheme and a spouse, next of kin etc. If you wish
to do so, please send us a letter,
- A member is or was medically
signed and dated by you, outlining
incapable of working for the
the name, address, and date of birth
period being claimed for and
of your nominated person. Please be
- They are paying the correct aware that if you nominate someone
benefit amount. to act in this capacity, they will have
access to the information related to
(ii) It is often not possible for the Insurer
your claim such as your medical, salary
to retrospectively assess the medical
and financial details. However, they
validity of a claim. If they cannot
will not have the authority to make any
medically assess a claim, the insurer
changes, for example, to cancel your
reserves the right to decline to assess
membership of the Scheme.
the claim. See Late Notification
clause on page 23.
Visit cornmarket.ie 27What will happen after I initially Items 2, 3 and 4 are at the Insurer’s
contact Cornmarket to make expense and reasonable travel
expenses will be covered, if travel is
a Disability or Specified Illness
necessary.
Benefit claim?
We will liaise with your employer,
Following an initial phone call, if
the Insurer and you throughout the
appropriate, we will send you a claim
assessment.
form, information about the Scheme
and details of the documentation you
will need to provide.
What happens after my
Disability Benefit claim is
You should return the forms and
assessed?
documentation to Cornmarket as soon
as possible and we will send these to Following the assessment the Insurer will
the Insurer. The Insurer will then start make a decision on your claim. Claims
medically assessing your claim. can be admitted or declined.
What will happen if my Disability
Are all Disability and Specified Benefit claim is admitted?
Illness Benefit claims medically - If your claim is admitted, and you
assessed? have completed the relevant deferred
All claims will be medically assessed by period, the Insurer will arrange for
the Insurer. If you have been granted benefit to be paid to your bank
Ill Health Early Retirement by your account. Disability Benefit will be
employer, this does not mean that paid in arrears and may be paid on a
you will be automatically entitled to monthly basis. Therefore, it may take
Disability Benefit from the Scheme. up to four weeks after your claim is
admitted to receive your first benefit.
As part of their assessment the Insurer
may require you to: - If your claim is admitted after you
have been reduced to half-pay or
1. provide medical evidence from your
your pay has ceased altogether, the
Doctor (your Doctor may charge you
benefit may be backdated to the
for this)
date when salary was first affected.
2. provide medical evidence from your
Specialists - As benefit is subject to income
3. complete a Tele-claims Interview with tax, you can request the Revenue
a nurse Commissioner to issue a Certificate
4. attend an Independent Medical of Tax to the Insurer. This will enable
Examination (IME) to confirm that the Insurer to apply the correct tax
you meet the definition of disability. rate for future benefits. However, the
It generally takes about 3 weeks for first benefit may have emergency
the IME report to be returned to the tax rates applied. Any overpayment
Insurer. or underpayment of tax may be
subsequently rectified.
28 INMO Income Protection Scheme- In order to ensure you continue to of 5% per year or by the increase in
meet the definition of disablement, the Consumer Price Index.
the Insurer may seek completed - However, for new claims admitted
continuation forms, certificate of on or after the 1st September 2016,
continued disablement, medical the amount of Disability Benefit paid
certificates from your Doctor, and/or will not increase after a claim is in
require you to attend an independent payment for 12 months.
medical examination and/or organise
- If you plan to return to work or take up
for a Health Claims Advisor to visit
other paid work, you must inform the
you. Claims in payment for greater
Insurer immediately.
than 10 years, will not be subject to
ongoing medical assessments.
- In the event that you fail to follow What will happen if my Disability
medical advice, the Insurer may cease Benefit claim is declined?
paying you benefits. - If your claim is declined, the Insurer
- You will not be expected to pay will inform you of the reasons for the
premiums towards the Scheme while decision in writing.
claiming. However, if your benefit - You may appeal the decision
stops for some reason other than by sending additional evidence
reaching the ceasing date of the supporting the fact that your claim
benefit, you will be expected to start should be admitted to the Chief
paying premiums again in order to Medical Officer of the Insurer. You
maintain your cover. If you continue must do this within 3 months of the
to receive Disability Benefit up to decline decision being made. The
the ceasing age of the benefit, you review of their decision may require
can continue to avail of the other you to attend further Independent
Scheme benefits without having to Medical Examinations.
pay premiums for them up until the - If you do not appeal, premiums must
ceasing age of those benefits. continue or restart in order for you to
- While claiming Disability Benefit, any remain a member of the Scheme.
Death Benefit or Specified Illness - If your appeal with the Insurer is
Benefit that you have as a Scheme unsuccessful, you may bring your case
member remains in force until the to the Financial Services and Pensions
ceasing date of those benefits. In Ombudsman.
the event that you will need to claim
from these, the benefits will be based
What happens after my
on the salary you were earning
at the time your Disability Benefit Specified Illness Benefit claim is
commenced. assessed?
- For claims admitted up to the 31st Following the assessment the Insurer will
August 2016, if a claim is in payment make a decision on your claim. Claims
for 12 months, the amount of Disability can be settled or declined.
Benefit paid will increase by the lesser
Visit cornmarket.ie 29Settled How does Ill Health Early
- If your claim is settled, the Insurer will Retirement Pension (IHERP)
arrange for a cheque to be sent to affect my Disability Benefit
you.
claim?
- If you claimed from the Full Specified
If you are making a claim and decide
Illness Benefit, you will no longer be
not to apply for IHERP, perhaps because
covered for Specified Illness Benefit
you intend to return to work, and the
and you will no longer be required
Insurer agrees that there is a reasonable
to pay for it and we will reduce your
expectation for you to return to work,
premium accordingly. In the event that
then the Insurer may pay a benefit
you pay your premiums by salary and
of 75% of salary less any State Illness
your employer is unable to facilitate
Benefit or Temporary Rehabilitation
the reduced premium, you may need
Remuneration for a maximum of 2
to switch to paying your premiums by
years. This means no deduction will be
direct debit.
made from the Benefit for an amount
- If you claimed from the Partial equivalent to IHERP, as no IHERP is being
Specified Illness Benefit, you can still claimed.
make a claim under the Full Specified
However, after 2 years a pension
Illness Benefit and so your premiums
amount will be deducted from the
will not reduce.
benefit regardless of whether or not you
Declined are in receipt of same. This is referred
- If your claim is declined, you will be to as Notional Early Retirement Pension
informed of the reasons for that (NERP).
decision in writing. If you retire subsequently and an IHERP
- You may appeal the decision is paid, the additional amount that
by sending additional evidence was paid under the Scheme since the
supporting the fact that your claim effective date of early retirement must
should be admitted to the Chief naturally be repaid to the Insurer.
Medical Officer of the Insurer. You
must do this within 18 months of the
decline decision being made. The
review of their decision may require
you to attend further Independent
Medical Examinations.
- If your appeal with the Insurer is
unsuccessful, you may bring your case
to the Financial Services and Pensions
Ombudsman.
30 INMO Income Protection SchemeWhat if I am on a Fixed Term What happens if I return to work
Contract and make a Disability after making a Disability Benefit
Benefit claim? claim?
If you are unable to work due to illness If you return to your normal occupation
or injury and your contract ends before at your normal hours, or to full salary
the expiry date of the Deferred Period, (e.g. you take annual leave), you must
(13 weeks in any 12 month period), your ensure that premiums restart in order for
claim will be considered subject to the you to remain a member of the Scheme.
usual medical evidence requirement. For If you return to your normal occupation
example, if you suffer an illness with 3 at reduced hours, or to a different
months remaining on your contract, and occupation at reduced pay, the Insurer
you remain unable to work due to illness may continue to pay you a benefit but
or injury to the end of the Deferred at a proportionately reduced amount.
Period, your claim will be considered in This will be subject to medical evidence
the normal manner. supporting the view that you are only
partially fit for work.
If my illness is due to an injury at If you return to work but have to stop
work, how does this affect my working again due to illness or injury
you may not have to complete the
Disability Benefit claim?
Deferred Period again. Please refer to
Please inform the Cornmarket Claims the Deferred Period on page 12.
Administration team as soon as possible,
if this applies to you.
If, as a result of your workplace injury,
you are entitled to an additional
payment, it may mean that your income
remains higher than 75% of your salary
and hence there will be no Disability
Benefit payable from the Scheme.
Visit cornmarket.ie 3132 INMO Income Protection Scheme
Tax Return Service for
members making
a Disability Benefit Claim
Cornmarket’s Tax Return Service is
available to claimants who are in receipt For more
of Disability Benefit for a continuous
period of 3 months or more. Only information, please
claimants who submitted their claim
after 1st January 2014 are eligible to
call (01) 408 4106
avail of this service.
Cornmarket’s Tax Return Service will
prepare and file your tax return and act
on your behalf with Revenue, to ensure
that you do not pay any more tax than
is necessary while you are receiving
income from multiple sources. We will
also reclaim any overpayments of tax
which may have been made by you
during the period of your claim. The
service includes PAYE returns and up to
two rental properties, where relevant.
Additional properties or returns for non-
PAYE income may attract extra charges,
and/or may not be offered within this
service.
Cornmarket Group Financial Services Ltd. is a member of the Irish Life Group Ltd. which is part of the Great-West Lifeco Group
of companies. Cornmarket’s Tax Return Service is not a regulated financial product. Telephone calls may be recorded for
quality control and training.
Visit cornmarket.ie 33Death Benefit Claims
How to make a Death How long will it take to process a
Benefit claim Death Benefit claim?
Depending on the type of death claim If your estate is being processed through
being made, you or your Estate/Next of the Probate Office, this may result in
Kin/Solicitor should contact Cornmarket. delays in the processing of the claim.
These delays could take over 12 months.
After initial contact is made, if
Once the Insurer receives all the required
appropriate, Cornmarket will advise of
documentation and information and
the documentation required to process
the Insurer decides to admit the claim,
the claim.
benefit is usually paid to the estate/
trustees within 10 working days.
34 INMO Income Protection SchemeVisit cornmarket.ie 35
5. Frequently Asked
Questions
How can I apply to join - a claim will not be paid and the
the Scheme? Insurer will not refund any premiums
you have paid
You can apply to join the Scheme:
- you may find it difficult to purchase
(i) Over the phone - call (01) 470 8054
another Life Insurance product.
(ii) With your Cornmarket Consultant
(iii) By printing and completing an
application form at cornmarket.ie.
What happens if my application
is accepted?
To apply, you must complete an
application form. Your cover begins from the date the
Insurer accepts your application.
Applications may require underwriting
(medical assessment) which may - You will be sent a formal acceptance
include providing medical information letter.
by telephone to a nurse or attending - You will have 30 days after the date
a medical examination at the Insurer’s the acceptance letter is sent to you
expense. Following the underwriting to cancel your membership of the
period, the Insurer may accept your Scheme and receive a full refund of
application, postpone your application, any premiums paid.
decline your application or offer you - Premiums should start as soon as
membership of the Scheme with certain possible after you are accepted as a
specified conditions excluded from member.
cover.
During the application process it is What happens if my application
important that you tell the Insurer all
is not accepted?
relevant medical information. This
means information that the Insurer If your application is postponed,
would regard as likely to influence the declined, or if you are offered
assessment and acceptance of your acceptance with certain specified
application. If you do not: conditions excluded, you may request
details for the reasons for the decision
- your membership of the Scheme
to be sent from the Insurer to your
could be void; you will not be covered
own doctor and you may appeal the
under the Scheme
decision.
36 INMO Income Protection SchemeWhat if I have unearned What if I am placed on
income? administration/special/
In general, investment and rental income gardening leave?
will not be taken into account when Please contact us on (01) 408 4195 as
making a claim under the Scheme. soon as possible.
What if I plan to take a Career When does membership of the
Break or Unpaid Leave? Scheme cease?
If you plan to take a Career Break • Your 60th/62nd for the Disability
or Unpaid Leave please contact us Benefit. INMO members who entered/
to discuss the options that may be re-entered the Public Service before
available to you by calling (01) 408 4195 1st April 2004 are covered until age
or emailing spsadmin@cornmarket.ie. 60. INMO members who entered/
If you wish to avail of the Career Break re-entered the Public Service after
options you must apply within 4 months 1st April 2004 are covered until age
of taking a Career Break. Otherwise your 62. If you re-entered service after
membership of the Scheme will cease. 1st April 2004 with a break of more
You must remain a member of the INMO than 26 weeks, that was not due to a
union for the duration of your Career career break or unpaid leave, you are
Break. deemed to be a new entrant.
If you wish to avail of the Unpaid • Your 65th birthday for the Death
Leave options you must notify us Benefit and Specified Illness.
at least 4 weeks in advance of the Cover for all benefits cease in the
commencement of unpaid leave. following situations:
Additionally, if you plan to do any of the • If you retire (other than on grounds of
following, please contact us in advance ill health) or
in order to ensure your membership • If you resign or
of the Scheme does not lapse, and • If you no longer fulfil the eligibility
so that we can offer you any cost requirements or
and/or benefit options which may be • If you leave the INMO Union or
applicable: • If your premiums cease or
- Acquire a second job • If you become unemployed or
- Go on Secondment • If you die.
- Change my role/job
Remember - Cornmarket will not be
- Change my terms of employment
automatically informed if some of
- Start Job sharing/work sharing
the above events occur so please
(i.e. work 50% or less of the normal
ensure we are advised at the earliest
working week).
opportunity.
Visit cornmarket.ie 37Can I cancel my membership of What commission does
the Scheme? Cornmarket receive?
Yes. You may cancel your membership
Initial charge paid by Insurer
of the Scheme at any time by clearly €400
to Cornmarket
instructing Cornmarket to do so in
writing. Please ensure your name, Premium Deduction Charge 2.5%
address and date of birth is included on
Renewal charge paid by
the cancellation instruction. 12.50%
Insurer to Cornmarket
If you cancel within 30 days of the
acceptance letter being sent to you,
we will cancel your membership of the What if I travel abroad?
Scheme and refund you any premiums In order to remain on cover under this
you have paid. Scheme you must remain a resident
If you cancel your membership of the within Ireland.
Scheme, and then wish to become a If you travel briefly for normal holiday
member again, you will have to apply purposes this will not affect your cover
for membership again and provide under the Scheme. However, if you
information about the state of your decide to reside or work abroad you
health. If your health deteriorated must contact Cornmarket immediately.
between the time you cancelled your In such circumstances, the Insurer
membership of the Scheme and re- may decide to vary your premium and
applied, you may not be accepted as a benefits accordingly or cease your
member again or you may be accepted membership of the Scheme.
with an exclusion.
If you are in receipt of Disability Benefit
from the Scheme, the Insurer will pay this
What happens if I cease to be a benefit to you if you are living anywhere
member of the INMO union? in the world for a maximum of 6 months.
If you leave the union you must inform The Insurer reserves the right for
Cornmarket in writing. Cornmarket will claimants to come back to Ireland for
then cancel your membership of the an Independent Medical Examination
Scheme. during this 6 month period. If during the
6 months you are required to attend a
Is there a surrender or medical assessment you must return to
cash-in value associated Ireland for it, the expense of which must
be agreed between you and the Insurer
with the Scheme?
in advance. Only reasonable expenses
No. There is no surrender or cash-in will be covered by the Insurer.
value associated with this Scheme; it is
After 6 months, you must reside in
not a savings plan.
Ireland or the UK. In exceptional cases
where a beneficiary is forced to live
abroad, the Insurer will consider this on
a case-by-case basis.
38 INMO Income Protection SchemeAre all claims paid? If you are dissatisfied with the outcome
The great majority of claims are paid. of your complaint through Cornmarket,
you may submit your complaint to
When claims are not paid it is usually
the Financial Services and Pensions
due to one or more of the following
Ombudsman, 3rd Floor, Lincoln House,
reasons:
Lincoln Place, Dublin 2, or log onto
- Medical opinion is that the member is www.fspo.ie
not disabled from carrying out his or
her normal occupation.
General Scheme Information
Full Scheme Name: INMO Income
- When applying to join the Scheme,
Protection Scheme.
the member did not give all relevant,
requested medical information The Scheme owner is Irish Nurses &
(information that the Insurer would Midwives Organisation.
regard as likely to influence the The current Scheme broker is
assessment and acceptance of your Cornmarket Financial Services Ltd..
application). This is called non- The current Scheme Insurer is Irish Life.
disclosure. In addition to being the
The current policy number for this
reason for a claim not being paid,
Scheme is 9236.
non-disclosure may also result in
membership of the Scheme being This is a group protection Scheme.
cancelled. If this occurs, premiums will This means that the costs and benefits
not be refunded. cannot be changed by any individual
member. Instead, the Scheme owner
- A claim is notified late, for example,
reviews the Scheme periodically with a
approximately three months after
Broker and Insurers and then decides
salary is affected/diagnosis has
the best combination of benefits, cost,
occurred and hence the Insurer is
restrictions, limitations and features
no longer in a position to medically
for all the members of the Scheme. At
assess the claim.
a review it may be decided that the
- The illness or injury is a result of one of Scheme should move Brokers and/or
the general exclusions that exist on insurers. In the event that this occurs,
the Scheme. all Scheme membership data will be
- The member attempts to claim for an transferred to the new Broker and/or
illness or injury for which they received insurer. Additionally, at a review, it may
a specific exclusion. be decided to terminate the Scheme
altogether. In the event that this occurs,
What if I wish to make any members who are already receiving
a complaint about the a Disability Benefit will continue to
receive that benefit under the terms
service I have received from
of the Scheme. Decisions taken by the
Cornmarket? Scheme owner will be binding on all
Please write to: members.
Compliance Department, The next Scheme review is due on or
Cornmarket Group Financial Services after 1st September 2019.
Ltd, Christchurch Square, Dublin 8. Visit cornmarket.ie 396. Specified Illnesses Appendices Explanation of each Specified Illness and its pre-existing conditions
APPENDIX 1:
Explanation of each Specified Illness
(Full Payment) and its pre-existing conditions
This section outlines: A claim can be made if the life covered has
• The policy definition of the Specified Illnesses been diagnosed by a consultant neurologist or
that are covered under the Scheme consultant geriatrician as having Alzheimer’s
• A simple explanation of each illness. Disease and their judgement, understanding
The notes in the sections headed `In simpler and rational thought processes have been
terms’ are meant to provide a less technical seriously affected.
explanation of the illness definitions, and Pre-existing conditions
some of the medical terms used in that
If you have been diagnosed with Alzheimer’s
definition. They are not an alternative
Disease prior to the commencement date
definition of the illness and will not be used
of cover, you can never claim for Alzheimer’s
to assess claims. If there is any dispute, the
Disease under the Specified Illness Benefit.
illness `definition’ overrules the `In simpler
terms’ explanation If you have a history of arteriosclerotic
• Information on related conditions which, if dementia, amnesia or memory loss prior to the
present before joining the Scheme, means commencement date of cover and you are
the member is not covered for the Specified found to have Alzheimer’s Disease within the first
Illness if diagnosis occurs within the first 2 2 years of cover no benefit will be payable under
years of cover the Specified Illness Benefit and you will cease
to be covered for Alzheimer’s Disease.
1. Alzheimer’s Disease - resulting in permanent Survival period: 6 months.
symptoms
Policy definition
2. Aorta Graft Surgery – for disease or
A definite diagnosis of Alzheimer’s Disease traumatic injury
by a Consultant Neurologist, Psychiatrist or
Policy definition
Geriatrician. There must be permanent clinical
loss of the ability to do all of the following: The undergoing of surgery for disease to the
• remember aorta with excision and surgical replacement of
• reason a portion of the diseased aorta with a graft.
• perceive, understand, express and give effect The term aorta includes the thoracic and
to ideas. abdominal aorta but not the branches.
For the above definition, the following are not For the above definition, the following are not
covered: covered:
• Other types of dementia. • Any other surgical procedure, for example
the insertion of stents or endovascular repair.
In simpler terms
Alzheimer’s Disease occurs when the nerve cells We also cover surgery for traumatic injury
in the brain deteriorate over time and the brain to the aorta needing excision and surgical
shrinks. There are various ways in which this replacement of a portion of the aorta with a
can affect someone, for example, severe loss of graft.
memory and concentration and mental ability
gradually failing.
Visit cornmarket.ie 41In simpler terms In simpler terms
The aorta is the main artery of the body. It Aplastic anaemia is a failure of the bone
supplies blood containing oxygen to other marrow to produce enough blood cells for the
arteries. The aorta can become narrow (often circulation. When this function of the marrow
because of a buildup of fatty acids on its walls) reduces, the main parts of the blood (red cells,
or it may become weakened because of a split white cells and platelets) reduce or stop being
(dissection) in the internal wall. produced and you gradually have to depend
The aorta may also weaken because of an more on blood transfusions.
‘aneurysm’. This means that the artery wall You can claim if a Consultant Haematologist
becomes thin and expands. You might need a diagnoses permanent bone marrow failure
graft to bypass the narrowed or weakened part which is treated by having a blood transfusion,
of the artery. drugs to stimulate the bone marrow,
You can claim if you have had surgery to remove immunosuppressive drugs or a bone-marrow
and replace a part of the thoracic or abdominal transplant.
aorta, to correct narrowing or weakening, with a Pre-existing conditions: None.
graft. Surgery to the branches of the aorta is not
covered as this surgery is generally less critical.
Pre-existing conditions 4. Bacterial Meningitis – resulting in permanent
symptoms
If you have had aorta graft surgery prior to the
commencement date of cover, you can never Policy definition
claim for aorta graft surgery under the Specified A definite diagnosis of bacterial meningitis
Illness Benefit. causing inflammation of the membranes of
If you have a history of aortitis, Marfan’s the brain or spinal cord resulting in permanent
syndrome, Ehlers-Danlos syndrome or peripheral neurological deficit with persisting clinical
artery disease prior to the commencement date symptoms.* The diagnosis must be confirmed by
of cover and you require aorta graft surgery a Consultant Neurologist.
within the first 2 years of cover, no benefit will For the above definition, the following are not
be payable under the Specified Illness Benefit covered:
and you will cease to be covered for aorta graft
• All other forms of meningitis including viral
surgery.
meningitis.
* permanent neurological deficit with persisting
3. Aplastic Anaemia – of specified severity clinical symptoms is defined as:
Policy definition – Symptoms of dysfunction in the nervous
A definite diagnosis by a Consultant system that are present on clinical
Haematologist of permanent bone marrow examination and expected to last
failure which results in anaemia, neutropenia throughout the insured person’s life.
and thrombocytopenia requiring treatment with – Symptoms that are covered include
at least one of the following: numbness, hyperaesthesia(increased
• Blood transfusion sensitivity), paralysis, localised weakness,
• Marrow stimulating agents dysarthria(difficulty with speech), aphasia
• Immunosuppressive agents (inability to speak), dysphagia(difficulty in
• Bone marrow transplant. swallowing), visual impairment, difficulty
in walking, lack of coordination, tremor,
For the above definition, the following are not seizures, dementia, delirium and coma.
covered:
The following are not covered:
• All other types of anaemia.
• An abnormality seen on brain or other scans
without definite related clinical symptoms
42 INMO Income Protection SchemeYou can also read
