BrightRock’s market leading permanent expense needs cover in action
The following case study demonstrates how this cover delivers when clients need it most. Brightrock paid out their client’s claim, a cameraman, after his leg was bitten by a lion while he was filming an interview for a television segment. The injury was serious, and because his job needed him to be physically active to carry out his duties, he was unable to return to work for quite some time while undergoing rehabilitation.
After a full-term pay-out (of 36 months) from his temporary expenses cover, he still couldn’t do his own, specific job, and he qualified for and received a 100% permanent expenses claim pay-out. He was also not declared permanently disabled at the end of the 36 months, although his prognosis was still not good. BrightRock did pay his permanent expenses claim in full based on the fact that he failed the Personal Job Fitness Test temporarily at the start of his temporary expenses claim (he couldn’t do his job but there was a chance of recovery) and again 36 months later.
He opted for the lump-sum option when he bought his debt needs cover and we made this once-off payment. He is receiving the rest of his permanent expenses claim payments as a recurring amount and Brightrockl continue making these monthly payments until the point that he would have retired. Brightrock will never reassess, reduce or stop these pay-outs, even if he recovers, starts working again and starts earning an income. All of these features offer additional claim certainty for our clients when they need it the most!
If this is the type of disability cover that you need, please reach out to us for a consultation