What happens if I make a claim for the same illness/injury as a previous claim?
For the Disability Benefit, you can claim the 1 or 2 year maximum benefit period per claim and cannot claim again for the same disability unless you have made a full recovery between claims. If you do not make a full recovery and have not been paid for the full benefit period, we may treat the claim as recurring and continue your benefit without applying the waiting period again.
For the Redundancy Benefit, the maximum benefit period is 3 months for any one claim while you are involuntarily unemployed. The maximum benefit claimable over for any insured person is 12 months.