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PPS Professional Disability Provider

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Liberty Life

PPS - Professional Provident Society

Designed to provide a lump sum benefit, should you become disabled, PPS Professional Disability Provider™ pays irrespective of any existing life cover you may have. It can help cover the costs of making any necessary lifestyle adjustments that a disability may require.

Features & Benefits

  • Stand alone disability benefit with extremely competitive premium rates, due to our ‘low-risk’ member pool
  • Lump-sum disability benefit that pays on establishment of permanence of the disability condition that meets the claims criteria
  • Available to PPS members younger than 62 years of age
  • Choose between fixed-term or term to age 67 next birthday
  • Occupation Specific Rider Benefit™ add-on disability benefit, which pays if you are permanently unable to perform your own specified occupation
  • At age 66 or earlier retirement (after age 60), the benefit converts into the Severe Illness Benefit and pays out should you experience a severe illness

Frequently Asked Questions

If I change my occupation, will I still be covered?
Your life cover will remain intact if your new occupation is not eligible for PPS membership. No further increases can be made to the cover. Your disability benefits may continue only if your new occupation is eligible for PPS membership.


How does the Immediate Needs Benefit work?
In the unfortunate event of death, bank accounts are typically frozen as part of the estate, often placing a financial burden on loved ones to pay outstanding bills, funeral costs and daily expenses. This benefit pays up to R50 000, within 2 working days, on presentation of a valid death certificate to PPS Insurance. Once the Immediate Needs Benefit pays your beneficiaries, the life cover is automatically reduced and the balance is paid out once all the claim requirements are satisfied in accordance with the policy.


Why do I need PPS Professional Disability Provider™, if I already have PPS Sickness and Permanent Incapacity Benefit?
The two are not the same. PPS Professional Disability Provider™ pays out a cash lump-sum amount, to settle debt for example, whereas the PPS Sickness and Permanent Incapacity Benefit pays out a regular amount based on the number of Units of Benefit you hold with PPS Insurance, and the period you are unable to practise your profession, due to illness or injury.

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