The claim examples are for illustrative purposes only. The examples presume that claim requirements and the terms of the policy have been met. The graphs show your insurances and total benefits, based on your quote proposal. The insurances and benefits may be different at the time of claim due to any additional insurances or increases or decreases that have occurred on the policy.

The actual period of disability may vary from the benefit period chosen for you. Income Protection claim examples presume that you will be disabled for the entire duration of the benefit period chosen for you. However the actual period of your disability may vary from the benefit period.

Optimum recovery time is another indicator that reflects the duration of the disability. The optimum recovery time for specific conditions as illustrated below are sourced from Presley Reed MD Guidelines. The optimum recovery time is based on a predictive model and is indicative only. The actual recovery time may vary from the indicated optimum recovery time. The optimum recovery is the point in time when most individuals are likely to be able to return to work, assuming their cases are optimally managed by their medical provider, and that the individuals do not experience significant complications and/or any other related medical conditions

Optimum Duration of Recovery Based on a 40 year old individual engaged in a job classified as medium

Paralysis	Male - Indefinite	Female – Indefinite
Stroke	Male - Indefinite	Female - Indefinite
Heart Attack	Male - 56 days	Female - 56 days
Cancer	Male - 63 days	Female - 62 days
Open heart surgery	Male - 70 days	Female - 70 days
Fracture	Male - 77 days	Female - 77 days
Back Injury	Male - 63 days	Female - 63 days
Major Trauma (requiring surgery)	Male - 91 days	Female - 91 days
Hip Replacement	Male - 112 days	Female - 112 days
Depression	Male - 43 days	Female - 47 days
Rheumatoid Arthritis	Male - 56 days	Female - 56 days
Total Knee Replacement	Male - 112 days	Female - 112 days
Shoulder repair	Male - 84 days	Female - 84 days
Respiratory Failure	Male - 94 days	Female - 94 days
Chronic Fatigue Syndrome	Male - 122 days	Female - 122 days
Parkinson's Disease(non-surgical)	Male - 07 days	Female - 07 days

Explanation of the milestones in the time line

All claim examples are presumed to be occurring 2 years from the date of the policy commencement. Day 0 is considered to be the day the incident (disability or sickness) begins. All proceeding milestone durations are measured from day 0.

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