Disability cover
Protect your future. Protect your income.
Your earning ability is your greatest asset—don't leave it unprotected. Disability insurance safeguards your finances if illness or injury stops you from working, covering lost income and extra costs.
- Save up to 35% on your monthly premium with LifeReturns®. Our innovative technology assesses your health risk factors to calculate your personalised discount—helping you save while staying covered.
- Customise your payout — choose a lump sum, monthly payments, or both.
- Get a discounted disability insurance quote in 3 minutes.
Save money on your disability insurance premium
Save money on your disability cover premium
Get disability insurance that helps you save every month. LifeReturns® uses the latest technology to quickly and accurately assess your health risk factors to calculate your personalised disability insurance premium discount.
What's the difference between life and disability insurance?
Disability insurance helps support you if you get seriously ill or injured and can't work. It ensures you still have an income while you're recovering — and it can help cover extra costs like changes to your car or home, or medical bills your medical aid doesn't pay for. It's not just about preparing for the worst — it's about protecting your lifestyle and future.
Life insurance gives you peace of mind knowing that your family will be financially taken care of if something happens to you.
With Momentum, you can get both disability and life cover through a single trusted partner.
How much disability insurance do I need?
Disability insurance benefits are tailored to your individual needs.
It is available as a lump sum payout and in monthly payments through income protection products. It’s important to consider whether you will choose one over the other, or a combination of both.
Lump sum products pay a single amount in the event that you are permanently unable to work. This amount must be sufficient to fund your lifestyle for the rest of your life.
A combination of lump sum and monthly income benefits is generally recommended, depending on your particular situation and affordability.
Disability insurance 2023 claims statistics
Having the proper financial support is everything when the unthinkable happens.
- In 2023, we paid out R486 million in lump sum disability claims.
- The largest claim amount paid out was for R28 380 293.
- The youngest claimant was a 25-year-old male for musculoskeletal causes due to lower-limb impairment.
- The oldest claimant was a 72-year-old male for nervous system causes due to loss of hearing as a result of cranial nerve deficit.
Want to know more about disability cover?
Claims and payouts
Premiums
Cover term and amount
Disability benefits
Discuss the advantages of taking out this additional disability benefit with your financial adviser.
Longevity Protector – Disability Benefit
Longevity Protector® – Disability Benefit pays 10% of the lump sum disability benefit payout every 5 years over the term of the benefit (typically to age 65 or 70 years). If you never claim, the unique Longevity Enhancer pays 20% of the disability benefit when you reach age 80.