MLC Life Cover Super MLC Personal Protection Portfolio

What features are built in?Choice of waiting periodsYou select a waiting period when you apply. This is theinitial period of your disability during which MLC doesnot pay benefits. You pay a lower premium the longer thewaiting period you select. You can choose a period of:Professional,Clerical andGeneralOccupationsSpecial RiskOccupations14 days 14 daysFarmers(FarmersPackage)1 month 1 month 1 month3 months 3 months 3 months12 months 12 months24 monthsChoice of benefit periodsMLC will pay a benefit each month until you recover forup to the maximum benefit period you choose. You pay alower premium the shorter the benefit period you select.You can choose a maximum benefit period of:Professional,Clerical andGeneralOccupationsSpecial RiskOccupationsFarmers(FarmersPackage)2 years 2 years 2 years5 years 5 years 5 yearsup to age 65Rehabilitation Expenses (for PPP only)In addition to any Rehabilitation benefit payable, wewill pay up to six times your monthly benefit (Standard)or 12 times your monthly benefit (Plus) for approvedrehabilitation expenses, such as the cost of a rehabilitationcourse or special equipment, to help you return to work.Rehabilitation Bonus (for PPP Plus only)While MLC pays you Rehabilitation benefits MLC mayapprove a benefit increase of 50% for up to 12 monthsunless double benefits for specified conditions arepayable under the Extra Benefits Option during thesame period.Premium waived while you receive benefitsWe will refund any premium paid (including premiums paidduring the waiting period) for Income Protection insurancewhile you are disabled and receiving benefits. Premiumswill still be due for other types of insurances and otherpeople insured.When benefits stop, we will start charging you premiumsagain, unless your Income Protection insurance ends.Return to work during the waiting periodYou can return to work during the waiting period. Thedays you work do not have to be consecutive. The waitingperiod will be extended by the number of days you returnto work. However, the waiting period will start again if:• you select a waiting period of 14 days or one monthand you return to work for more than five consecutivework days• you select a waiting period longer than one monthand you return to work for more than 10 consecutivework days.Recurring Disability BenefitIf the same disability recurs while this insurance is in forceand within:• six months (if your benefit period is five years or less)• 12 months (if your benefit period is more than five years)of your return to full-time work, MLC will consider it acontinuation of the original disability. You can claim assoon as the disability recurs, with no new waiting period.The cause of the disability must be the same as, or relatedto, the cause of the original disability.The types of insurance offeredIf the disability recurs after this time, MLC will treat it as anew claim.MLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 31