[SPONSORED] Living annuity clients can change how often they receive income during the year, even though their drawdown percentage can only change annually. @Fedgroup explains the added flexibility. ow.ly/etII50ZZc0R

The claim is where cover must make sense tinyurl.com/2jsu6ejr Starting with the claim changes the design conversation. Instead of asking only what can be defined and priced, insurers should also consider what a reasonable outcome would look like. Can the claims trigger be understood without a glossary? Can it be assessed consistently? And can an adviser explain the decision without having to defend the difference between a technical definition and the member's experience? This thinking informed @Fedgroup's Inability cover, which recognises the permanent loss of defined essential physical abilities as a risk, rather than relying solely on whether someone remains capable of working. It addresses a different need alongside traditional disability protection.

Some holes can’t be patched - tinyurl.com/4t3b8s8k **Here’s the problem with potholes.** You can patch them. For a while, everyone is happy. The road looks fixed, and the problem seems solved. Then comes the rain, the traffic and the South African sun – and the pothole is back. Because it was never really fixed. It was only patched. **Employee benefits has a pothole of its own.** Traditional disability cover has largely focused on one question: *Can this person still work?* But is that enough anymore? @Fedgroup

Most insurance companies do things the same way. 💼 Fedgroup doesn't. Walter Van Der Merwe, CEO of @Fedgroup on EBnet.Stream's #ExecMeetAndGreet. Brought to you by ICTS Tracing Services. 🇿🇦 👉 ebnet.co.za/watch/walter-van… #FinancialConfidence #EBnet #Fedgroup

When disability definitions fall short - tinyurl.com/4cba6bv5 Insurance definitions provide clarity around what is covered, when benefits become payable and which risks a product is designed to address. But what happens when an employee experiences a permanent, life-changing loss that falls outside traditional definitions of disability or critical illness? This article will interest our readers because it explores an often-overlooked protection gap and considers how employee benefits could evolve to address the realities employees face. @Fedgroup