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Benefits
73% of people with learning disabilities are children and they need protection just like everyone. FWD SpecialCare Direct is an online product that has affordable pricing with no intermediaries involved and is easy to understand.
CHILD BENEFITS
Death benefit
Death benefit
We will pay the sum covered upon your child’s passing to you
Lump sum benefit
Lump sum benefit
We will pay the lump sum benefit to you upon the person covered attaining age 18 (subject to the certificate being in-force for at least 60 months); otherwise, it is payable upon certificate expiry. The lump sum benefit will not be payable if there are any outstanding contributions
PARENT BENEFITS
Death benefit
Death benefit
We will pay the sum covered upon your passing to your child. If death is due to accident, your child will receive 150% of the sum covered
Total and permanent disability (TPD)
Total and permanent disability (TPD) benefits
We will pay the sum covered upon you being diagnosed with TPD you. If TPD is due to an accident, you will receive 150% of the sum covered. “Accelerated” means that your coverage will terminate upon payment of TPD benefit
Waiver of contribution
Waive of contribution
We ensure that your child remains covered upon your passing or you being diagnosed with TPD
