Salary Protection

Pays your salary when you can’t work

R40 000 cover for as little as R248 pm*

*Cover and premiums dependent on individual risk profile

Insure your income

Ever thought about what would happen if you couldn’t work for a while due to illness or injury? Would you be able to pay the bills and look after your family? That’s where Salary Protection direct from Liberty comes in. A safety net for you and your family, Salary Protection pays you a percentage of your salary in regular monthly payouts until you can go back to work.

Features

Tax-free monthly payouts

Direct application

Hassle-free cover

What we offer you


Tax-free monthly payouts

Based on 90% of your take-home pay, these payouts will start three months after your last payment from your employer and will continue until you are able to go back to work or turn 65, whichever happens first.

Direct application 

When you apply for direct cover with Liberty, everything is done over the phone in a simple one-step process – no application forms or full medicals required.

Hassle-free cover

This cover is straightforward and easy-to-understand based on individual risk profiles.

What’s not covered?

You won’t be covered if you can’t work because you harmed or injured yourself on purpose, or if you are injured while breaking the law or while intentionally exposing yourself to war or war-like activities. You also won’t be covered for any exclusions outlined in your policy.

What about HIV tests?

We need you to have an HIV test within 90 days of your cover start date. If you don’t have the test or if your results come back reactive, you’ll only be covered if you can’t work as a result of an accident. Remember, our blood tests are free and our nurses will come to you.

Who can apply?

Any South African citizen between the ages of 18 and 60 with a bar-coded ID and a bank account may apply for cover. You must be taking out the cover for yourself.

Ready to apply?

Have your height and weight details and ID number handy and have 30 minutes available for the application process.

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