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Qualifying health or employment risk: ITTOIA05/S736

A qualifying health or employment risk is a risk that the insured person would in the future

• suffer from any physical or mental illness, or deterioration in an existing condition, as may be specified in the policy, or
• cease to be employed or self-employed due to circumstances as may be specified in the policy.

»Ê¹ÚÌåÓýapp risk relates to what was specified in the policy, not to what actually happened to the insured person.

Qualifying period for which payments may be made: ITTOIA05/S737

Payments are only exempt if made in respect of one or more of the following periods:

• the period throughout which illness, etc., continued, including convalescence
• the period throughout which unemployment continued
• the period throughout which there was a reduction of income, ignoring payments received from the policy â€� this includes a period after the person has returned to work but continues to receive payments from the policy because their pay is lower than it was before the absence
• where any of the above periods ended with the death of the insured person, a further period of time immediately following the death.