From 1 August 2020, income protection cover will stop for the period you are stood down or on LWOP. This includes if you were stood down or commenced LWOP prior to 1 August 2020. You won’t pay premiums for the period your cover has stopped.
Your income protection cover will re-commence automatically on your nominated return to work date, if you are at work for the normal daily hours of work and are actively performing the full, unrestricted or unmodified duties of the job you had before you were stood down or went on LWOP (At Work).
If you are not At Work on your nominated return to work date, you will not be covered for any pre-existing conditions. You will only be covered for an illness which became apparent, or any injury which occurred, on or after your nominated return to work date (Limited Cover). Limited Cover will apply until you have returned to being At Work for 30 consecutive days, at which point, full cover will apply.