Accidental Disability Benefit is outlined as follows:

Our Accidental Disability Benefit is available in addition to the standard Capital Disability Benefit. This benefit provides additional security to members and their dependants. It pays out if a member becomes permanently occupationally disabled, resulting in 'own or reasonable occupational disability' or 'total disability' due to bodily injury caused by violent, accidental, external and visible means.

The value a member is covered for is as follows:

Cover may not exceed the following (whichever is less):

• Accidental death benefit

• R2 million

The member's cover will end based on the following criteria (whichever comes first):

• The employer participation is cancelled.

• The member leaves the employer.

• The member reaches the Benefit Termination Age, as outlined in the Employer Participation Schedule.

• The member turns 65 years of age.

• The member receives a benefit from any retirement fund that his or her employer operates or participates in for the benefit of their employees, where this cover is taken on an approved basis.