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 are able to go back to work.
Features
Tax-free monthly payouts
Direct application
Hassle-free cover
What we offer you
Tax-free monthly payouts
The payouts are 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. 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.