Income Protection - Claims How incapacitated do I have to be? You must be totally unable to perform the essential duties of your insured occupation. Back to top What happens if I can only work part-time during incapacity? The Society will consider each case individually and may, at the discretion of the Society's Committee of Management, make claim payments, on a proportional basis. Back to top Are there any exclusions? Yes, we will not pay you for any incapacity from: intentional self-injury; surgical procedures carried out solely for cosmetic purposes; the effects of or while under the influence of alcohol or drugs (other than drugs taken as directed or administered by a registered medical or dental practitioner); any disorderly conduct, or criminal act or omission; wilful participation in riot or civil commotion; by accidents arising from or during participation in any Hazardous Activity other than those declared to and accepted on risk by the Society; war, invasion of or act of a foreign enemy or any enemy foreign to the country in which the incapacity was caused or civil war (in each case whether war is declared or not); any mental, nervous psychotic or psychoneurotic deficiencies or disorder without demonstrable organic disease, including all neurosis, reactive depression or anxiety; reactive disorders without demonstrable organic disease consequent upon or arising from the illness, death, injury or other misfortune of whatsoever nature of another person; the direct or indirect effects of radiation or radioactive contamination pregnancy or abortion or the complications of childbirth, but such Income Members suffering during pregnancy from any illness or infirmity arising otherwise than from pregnancy or abortion or the complications of childbirth shall be entitled to Income Benefit; sterilisation procedures except where necessitated on medical grounds; or cosmetic surgery. Back to top What happens if I can only work part-time during incapacity? The Society will consider each case individually and may, at the discretion of the Society's Committee of Management, make claim payments, on a proportional basis Back to top What if I am not in regular remunerative employment prior to making a claim? In such cases "incapacity" shall mean the necessary permanent confinement of the member to their normal place of residence, or to a hospital or other recognised medical establishment, or to such other premises as may be agreed by the Committee of Management, or the total inability of the Member to perform unaided three or more of the following activities: dressing and undressing washing and bathing eating and drinking preparing and cooking food general household duties such as cleaning and laundering clothes climbing stairs shopping Back to top What about HIV/AIDS? We do not automatically exclude claims arising from HIV/AIDS. Back to top Cancellation Rights After your application is accepted you will receive a notice of your right to cancel. You will then have 30 days in which to change your mind, in which case the premium paid by you during this time will be refunded. Back to top Premiums Premiums must be paid by direct debit. You may elect to pay monthly or annually. The premium increases automatically every year. It may also be necessary for the Society to increase the rates from time to time, on the advice of its Appointed Actuary. Back to top Apportionment (savings element) On an annual basis, an apportionment of surplus based on the Society's financial results, is allocated to your account. These annual apportionments are determined by the Society's Management Committee, acting upon the advice of the Society's actuary. Back to top Charges The charges, expenses and other deductions used in this guide are best estimates based on current experience. They could vary in the future. Back to top Compensation You may have the right to compensation under the Financial Services Compensation Scheme. Information about this is available from the Society on request. Back to top Data Protection Any information you give to us will be held in accordance with the relevant data protection legislation: We or other Companies authorised by us reserve the right to discuss any relevant aspects of your medical treatment or examination with the provider of that treatment or examination. We may give out the information to detect and prevent fraud or improper claims, to process claims that are also covered by another insurer and to enable us to develop services that we think may be in your interests. We and other Companies approved by us (which may include host mailings on their behalf) may advise you by letter, electronic mail or otherwise of services or products which we believe you may be interested in. This may involve an analysis of any information that you have provided. You should let us know if you prefer not to receive such information. You have the right to see the information we hold on you. Back to top Tax Under existing legislation, the apportionment added to your account each year, and accumulated cash lump sum payable is payable free of tax under current legislation. Back to top Law The Society's Head Office is situated in England, at 40-42 St Peters Street, St Albans, Hertfordshire, AL1 3NP. In any legal disputes, the law of England and Wales applies. Back to top The Society Pharmaceutical and General Provident Society Limited, trading as , is a registeredm Friendly Society, incorporated under the Friendly Societies Act 1992, registered number 462F. The Society provides income protection insurance and is authorised and regulated by the Financial Services Authority. The Society's details are entered on the Financial Services Authority register and the registration number is 110023. Back to top Complaints The Society wants you to be entirely satisfied with your income protection plan. Our aim is to provide a first class level of service to our members and to do everything that we can to resolve any queries or complaints. If you do have any queries or complaints, in the first instance please contact the Society. Please write to: The Assistant Secretary Pharmaceutical & General Provident Society Limited Mallinson House 40-42 St Peters Street St Albans Herts AL1 3NP In the unlikely event that your complaint is not dealt with to your satisfaction, you can then complain to the: Financial Services Ombudsman South Quay Plaza 183 Marsh Wall London E14 9SR Tel: 0845 080 1800 Website: www.financial-ombudsman.org.uk Making a complaint will not affect your legal rights. Back to top Society's Memorandum & Rules This document is a brief guide to the key features of the plan and should be read with the illustration which accompanies it. Full details of membership and standard cover are contained in the Society's Memorandum & Rules which is available on request. Authorised & regulated by the Financial Services Authority. Firm number 110023 Back to top

Tel: 0800 146 307  Email: INSURANCE@NPA.CO.UK