Key Features

Aon People Protect: Affordable income protection cover that helps small businesses provide a valuable employee benefit, while caring for the wellbeing of the people who keep the business running.

Reasons to choose Aon People Protect

• Specifically designed for businesses with between 12 and 200 employees
• Online service – 24/7 availability
• Automatic cover (limits apply)
• $15,000 lump sum Funeral Benefit included
• Crisis Benefit available
• Fully supported claims management
• Customised to suit all employers and budgets

Benefits for business owners

• Manage costs of long term sickness and injury
• Offer a valuable employee benefit to attract and retain staff
• Provides essential benefits – with no unnecessary extras

Snapshot of the benefits and features:

Benefit/Feature	Description	Option
Waiting Period	The number of continuous days of Disability or Partial Disability before a Benefit becomes payable	30 days 60 days; or 90 days
Benefit Period	The maximum period of time the Benefits will be payable for any one Illness or Injury.	2 years 5 years 10 years to age 65; or to age 65 with a 2 year extension
Insured Percentage	The amount of Income that can insured	75% (default); or 60%
Superannuation Contribution Benefit	The option to insure superannuation contributions. This means that superannuation contributions will continue to be paid whilst a claim is in payment	Up to 10% of Income Please refer to the PDS for further information
Benefit Escalation	When a claim has been in payment for a continuous period of 12 months the benefit will be increased	lesser of CPI and 5%
Disability definition	The definition that is used to assess disability and eligibility to receive a benefit	Unable to perform your own occupation for the first 2 years, then any occupation for which you are suited by education, training or experience thereafter” (default); or Unable to perform your own occupation Please refer to the PDS for further information
Funeral Benefit	A lump sum Benefit will be paid in the event of death	Fixed amount of $15,000
Crisis Benefit	A lump sum benefit of three times will be paid if you suffer one of 39 listed Crisis Benefit Medical Conditions	Optional feature available for an additional cost The lump sum benefit is three times the Disability Monthly Benefit (up to $30,000 if age 65 or over) and three times the Superannuation Contribution Monthly Benefit.