Unemployment benefit

[Trevor]

Hi, hope this is a quick and easy one.

The non-occupational claims definition includes Housepersons and Unemployed.

The glossary definition of unemployment benefit reads:
"...provide cover during unemployment but change to a definition of incapacity that requires confinement to the house..."

I interpret this similarly to unemployment insurance (General insurance) despite explicitly mentioned it is not the case in the glossary definition, just that it has an additional condition to be confined at home.
Is this what the definition actually meant?

If so, can we say this claim definition is that, someone becomes unemployed (eg: made redundant) due to incapacity?
If so, why do we need a separate definition for this? The "own occupation" definition should already cover this.

 

[Mark Willder]

Hi, hope this is a quick and easy one.

The non-occupational claims definition includes Housepersons and Unemployed.

The glossary definition of unemployment benefit reads:
"...provide cover during unemployment but change to a definition of incapacity that requires confinement to the house..."

I interpret this similarly to unemployment insurance (General insurance) despite explicitly mentioned it is not the case in the glossary definition, just that it has an additional condition to be confined at home.
Is this what the definition actually meant?

If so, can we say this claim definition is that, someone becomes unemployed (eg: made redundant) due to incapacity?
If so, why do we need a separate definition for this? The "own occupation" definition should already cover this.

Hi Trevor

Where the Core Reading says:

"Some companies provide cover during unemployment but change to a definition of incapacity that requires confinement to the house (this may be extended to include a medical institution) or being unable to go outdoors without assistance. The student should note that this is not unemployment insurance, which is payment if the insured becomes unemployed."

they are referring to cover provided to healthy unemployed people against the risk of falling ill and so having additional costs. So it is not referring to the case where people lose their jobs due to sickness as you've suggested.

Best wishes

Mark