Insurance jargon prevails and not surprisingly confusion abounds given the choice of  disability, impairment and sickness benefits.

Occupational disability cover protects you against the risk of losing your ability to earn an income due to illness or injury. If you are covered for occupational disability, you may qualify for an income and/or capital payment should you become disabled to the extent that you are totally and permanently unable to do your job.

Impairment Benefits, cover you against the financial impact of permanent illness or injury  which results in a physical or functional disorder. Your existing  job is not relevant.

A sickness benefit is designed to replace or supplement your monthly income should you become totally or partially unable to work at any time during your career due to sickness or injury.