Options
You can choose to take a Life Insurance policy only or all of the three products. Note that Trauma Insurance and Income Protection Insurance can only be selected with a Life Insurance Plan.
Eligibility
You must meet all of the following criteria:
- You are either a permanent employee or on a fixed term contract of 12 months or more at the date of applying for the insurance cover
- Work 15 hours or more per week
- Be aged between 16-64 years
Please refer to the policy wording and terms including full eligibility criteria, definitions, waiting periods maximums, limits, offsets and exclusions.
For more information, please contact Mercer Marsh Benefits.
New Employees
Eligible new employees can apply to join the policy within 75 days of commencing employment, subject to five health questions.
Please refer to the policy documents for full terms and conditions.
Existing Employees
Eligible existing employees can also apply to join the policy at any time, subject to full medical underwriting and acceptance by the insurer.
If the insurer offers a designated 30 day offer window, eligible existing employees (not currently members of the policy, have previously applied or had their application deferred), can apply for the cover subject to five health questions.
Please refer to the policy documents for full terms and conditions.
Employee’s Spouses
Eligible employee’s spouses can also apply to join the Plan at any time provided the employee is also a member of the policy, subject to full medical underwriting and acceptance by the insurer.
New Zealand residency requirements also apply, please refer to the policy documents.
Plan Renewal Date
Please refer to the policy documents to obtain the annual renewal date.
Change in Circumstances
Please contact Mercer Marsh Benefits immediately if you no longer meet the policy eligibility – work less than 15 hours per week, reached aged 70 (life cover) reached aged 65 (income protection and trauma cover) or your employment terms have changed.
It is your responsibility to notify Mercer Marsh Benefits if your circumstances change.