Disability cover

Disability cover
You could lose the use of your hands or legs, or suffer from chronic illness, forcing you to stop working. Disability cover is usually added to life cover, but can also be bought separately. There are mainly two kinds of disability cover, namely:
 
Income protector disability cover
Capital (or lump sum) disability cover can be added to life insurance, however, it cannot be greater than the amount of life cover on the policy. You will only be paid out once you provide proof that the disability is permanent. It can also be added to your endowment policy.
 
Income protector disability cover
This cover provides a monthly income, with or without yearly increases as stated in the policy. It can replace a portion of your salary until you recover or die, or when policy matures, whichever comes first, if you are permanently or temporarily disabled.