Cover for up to 75% of your annual salary if you are unable to work due to illness or injury, less any other income that you may be entitled to (e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness Benefit or State Invalidity Pension).

Disability Benefit: Pre-existing conditions

• A) If you need to claim solely for a pre-existing condition (as defined below), there is a waiting period of 5 years from the date you were accepted into the Plan before the Deferred Period can commence or
• B) If you need to claim solely for a condition that is not pre-existing, there is no waiting period before the Deferred Period can commence. Any sick leave that may have been taken solely for a pre-existing condition will be used in the calculation of the Deferred Period.

If you need to claim for more than one condition (one being a pre-existing condition) at the same time, the Insurer will assess the primary cause for the claim, and if the primary cause is a pre-existing condition then A will apply, and if the primary cause is not a pre-existing condition then B will apply.

This is outlined in the Plan Summary Booklet here. Disability Benefit is payable at the end of the Deferred Period (provided the claim is admitted by the Insurer).

For the purposes of this Plan, pre-existing conditions are defined as:

- Any health condition, which existed in the 5 years prior to the date you were accepted into the Plan, in respect of which you:

• had symptoms or signs of the condition or a related condition and/or
• consulted a health professional about the condition and/or any related condition and/or
• took or were prescribed medication or treatment including counselling, physiotherapy or physical therapy for the condition or a related condition and/or
• had any test, scan, investigation or surgery for the condition or a related condition.

Pre-existing conditions are determined by the Insurer in consultation with their Chief Medical Officer.

The Plan provides a lump sum of typically twice your annual salary if you die. This can help to pay bills and unexpected costs, at an already difficult time.

It also provides the below benefits:

• Accidental Death Benefit - €15,000
• Terminal Illness Benefit - 25% of Death Benefit
• Children’s Death Benefit - €4,000

During the first 24 months of your membership, Death Benefit of twice salary is only paid in the event of Accidental Death*. Terminal Illness Benefit is not payable during the first 24 months. After 24 months of Plan membership, Death Benefit is paid as normal.

*In the event of Accidental Death, a benefit of €15,000 is payable in addition to the normal Death Benefit.

A once-off lump sum of 25% of your annual salary will be paid if you are diagnosed with one of the 52 Full Specified Illnesses covered.

Only one claim may be made on Specified Illness Benefit per member and this cover ceases once a Full Specified Illness Benefit claim has been paid.

For a full list of Specified Illnesses covered, and the policy definition/criteria of each illness, please contact Cornmarket if you would like a copy of the Master Policy Documents.

A once-off lump sum of €10,000 or 25% of your annual salary (whichever is less) will be paid if you are diagnosed with one of the 45 less severe, but still life altering, Partial Payment Specified Illnesses covered.

Only one claim may be made on Partial Payment Specified Illness Benefit per member.

For a full list of Partial Payment Specified Illnesses covered, and the policy definition/criteria of each illness, please contact Cornmarket if you would like a copy of the Master Policy Documents.

A benefit of 10% of your annual salary paid into a separate Pension Scheme, if you are claiming Disability Benefit continuously for more than 2 years.

Entitles members to join the Cornmarket Retired Members’ Life Cover Plan at retirement without medical underwriting (provided by Irish Life Assurance plc).

The Plan pays a tax-free lump sum to your estate in the event of your death. Terms and conditions apply.