Middle East

Life and Disability

Insurance Policy
Plan B

AECOM Insurance Benefits

The below benefits are applicable to AECOM employees as per approved policy and plan period.

Life and Disability Insurance

Life and Disability Insurance is a vital part of AECOMs benefit program in place for all AECOM employees.
Our success begins with valuing our people and fostering their development. In order to provide you with
comprehensive cover, we have teamed up with Zurich Life International to provide you with the benefits
attached.
Insurances are provided through a reputable insurance provider. The actual provider may vary from time to
time at the discretion of the Company.
.
As an Employee at AECOM, you are covered to two (2) times your annual salary.
Annual salary is defined as twelve times the total amount in the remuneration section of Appendix A of your
employment agreement. Site allowances, overtime and any form of incentive pay are specifically excluded from
the calculation.

There are many reasons that AECOM have chosen to provide Life & Disability Insurance to our employees,
including those listed below.

To protect your family and loved ones

If your loved ones depend on your financial support for their livelihood, we believe at AECOM, that life
insurance is a must, because it provides immediate financial assistance to your dependents when they are at
their most vulnerable. This is especially important for parents of young children or couples whos partner will
find it difficult if they no longer have the source of income provided by their partner. Disability insurance
protects you in the event that you become disabled to guarantee some financial and lifestyle security in the
event that the unthinkable happens.
To bring peace of mind
Disability and life insurance can provide some financial security and peace of mind it you are unable to provide
it yourself. No amount of money can ever replace a person. But more than anything, disability and life
insurance can help provide protection for the uncertainties in life. Without a doubt, having these insurances in
place will bring you and your family peace of mind. It is one thing you can be sure of and no longer question if
you are unable to provide an income or that they will be taken care of when youre gone.
To pay off debts and other expenses
In addition to providing income to cover everyday living expenses, disability insurance and life insurance cover
can help to cover outstanding debts like the mortgage, credit card and car loans. Other expenses include
funeral and burial costs that can easily run into thousands of dollars. Disability insurance replaces a portion of
your income if you are no longer able to work due to sickness or injury.
At AECOM we are determined to maintain a high level of benefits for employees, however maintaining and
renewing the Life & Disability Cover on an annual basis will be at the Companys discretion.

Schedule for AECOM Middle East Limited

Benefit definitions
Group Life
Death of insured person
The benefit provides a lump sum equal to the sum insured, payable on the death of the insured person prior to
the policy anniversary date immediately following the attainment of the term age by the insured person.
For the benefit to be payable, the policy must be in force and the deceased must have been an insured person
at the date of death.

Date of calculation of sum insured

The sum insured shall be calculated at the date of death of the insured person. If death occurs after the term
age and prior to next policy anniversary date, the sum insured at term age will be payable.

Accidental death
Accidental death
This benefit provides a lump sum payable on the accidental death of the insured person, provided that:
the death is a direct result of an accident and occurs within 365 days from the date of the accident;
the policy was in force and the deceased was an insured person at the date of the accident; and
the death occurs prior to the attainment of the term age.
Date of calculation of sum insured
The sum insured shall be calculated at the date of the accident that resulted in the death of the insured person.

Permanent partial or total disability

Disability benefit
The benefit provides for payment, of the sum insured or part thereof, if the insured person becomes either
Permanently totally disabled or permanently partially disabled as a result of Sickness or Accident
Permanent total disablement
The insured person will be deemed to be permanently totally disabled if he or she is:
Completely and permanently unable to perform the material and substantial duties of his or her own and similar
Occupation; or
the degree of disability is 66 2/3% or above as determined by an accredited medical practitioner and agreed by
us; provided that
the insured person has been completely unable to work during the entire waiting period for this benefit;
the policy was in force and the claimant was an insured person on the date from which he or she was
continuously unable to work because of the disability giving rise to the claim;
the first date of disability occurred prior to the attainment of the term age; and
the insured person is under the regular care and following the advice of an accredited medical
practitioner.
Once a claim for Permanent Total Disability has been admitted, no further claims for Permanent Partial
Disablement will be considered.

Permanent partial disablement

The insured person will be deemed to be permanently partially disabled if he or she is permanently partially
unable to perform the material and substantial duties of his or her own and similar occupation; and the degree
of disability is less than 66 2/3 % as determined by an accredited medical practitioner
and agreed by us; or
in cases of accidental dismemberment, the insured person has suffered a loss as determined by the PPTD
Scale (see Dismemberment Scale Section) or an equivalent scale agreed by us; provided that
for accidental claims, the accident occurred whilst the claimant was an insured person and resulted in
permanent partial disablement within 365 days from the date of the accident;
for illness claims, the level of partial disablement is equal to or greater than 25%.
the policy was in force and the claimant was an insured person on the date from which he or she was
continuously partially unable to work because of the disability giving rise to the claim;
the first date of disability occurred prior to the attainment of the term age; and
the insured person is under the regular care and following the advice of an accredited medical
practitioner.
Date of calculation of sum insured
For Permanent Total Disability, the sum insured shall be calculated at the date from which the insured person
was continuously unable to work because of the disability giving rise to the claim.
For Permanent Partial Disability as a result of an accident the sum insured shall be calculated at the date of the
accident.
In Permanent Partial Disability claims due to illness, the sum insured shall be calculated at the date from which
the insured person was continuously partially or totally unable to work because of the disability giving rise to
the claim.
Payment of benefit
If the insured person is permanently totally disabled, we will pay the sum insured in full. If the insured person is
permanently partially disabled, we will pay the percentage of partial disablement as determined by an
accredited medical practitioner and agreed by us; or when applicable for accidental dismemberment, the
percentage loss as determined by the PPTD Dismemberment Benefit scale (or an equivalent scale agreed by
us).
The total amount payable under all partial disablement claims shall not exceed 100% of the sum insured.
If after a Permanent Partial Disability has become payable, a further claim is lodged and admitted for
Permanent. Total Disablement benefits, payments for Permanent Total Disablement will be reduced by the
Permanent Partial Disability Benefits already paid.
Reduction in group life benefit
Any Group life benefits insured by us will be reduced by amounts paid for Permanent partial or total
disablement.
Loss of occupational licence
Loss of occupational licence is not a covered risk under this benefit.

Temporary total disability

Disability income benefit
The benefit provides for payment of the sum insured for an insured person, when because of Sickness or
Accident he or she is completely and continuously unable to perform the material and substantial duties of his
or her own occupation; provided that:
the insured person has been totally unable to work during the entire waiting period for this benefit;
the policy was in force and, for illness claims the claimant was an insured person on the date from which
he or she was continuously unable to work because of the disability giving rise to the claim, or for
accident claims on the date of the accident;
the first day of the disability occurred prior to attainment of the term age;
the insured person is under the regular care and following the advice of an accredited medical
practitioner; and
the insured person is not engaged in any other occupation for remuneration or profit.

Date of calculation of sum insured

For illness claims, the Sum Insured shall be calculated at the date from which the insured person was
continuously unable to work because of the disability giving rise to the claim. For accident claims, the sum
insured shall be calculated at the date of the accident.
Linked periods of absence from work
For claims occurring as a result of an illness, successive periods of absence from work as result of the same
disability will count towards the completion of the waiting period provided they occur over an elapsed period
that is not greater than twice the waiting period.
Payment of benefit and further medical evidence
Once we have accepted a claim, the sum insured will be paid quarterly in advance. For illness claims, we will
commence payments with effect from the end of the waiting period. If the claim occurs as a result of an
accident, we will commence payments with effect from the date of the accident. From time to time after initial
admission of the claim and throughout the claim, we will require the insured person and his or her accredited
medical practitioner to submit further medical and other evidence to ascertain the insured persons level of
disability. We will advise the evidence needed to the insured person and you, and the date when it is required.
.
Where a claim is in payment, we will waive premiums for this benefit for the insured person for the duration of
the claim.
Linked claims
If after a period of disability during which the sum insured has been paid by us, the insured person returns to
work, but within 26 weeks from the date of such return again becomes disabled as a result of the same cause
as the previous disability, benefit payments will recommence from the date of the further absence.
Benefit cessation
The benefit ceases to be paid on the earlier of the following
the insured person returns to his or her usual occupation or otherwise engages in gainful employment;
the insured person no longer satisfies the requirements for ongoing disability set out in the Disability
income benefit section above;
the maximum payment duration of 713 days for the insured person is met;
the life insured is declared permanently and totally disabled and a claim is paid for the insured person
under Permanent Partial Disability or Permanent Partial and Total Disablement benefits;
the insured person attains term age;
the insured person dies.

Exclusion definitions
Please refer to the Insured Benefit Schedule section to determine which exclusion/s may apply to your
individual benefit/s.
Active participation in war or terrorism
No benefit is payable in the event of a claim arising from the insured persons,
active engagement in an act or threat of violence or an act harmful to human life, tangible or intangible
property or infrastructure with the intention or effect of influencing any government or of putting the public
or any section of the public in fear; or
active involvement in war, invasion, act of foreign enemies, hostilities or war-like operation (whether war
bedeclared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to popular
uprising, military uprising, insurrection, rebellion, riot, military or usurped power or any act of any person
acting on behalf of or in connection with any organisation actively directed towards the overthrow or to the
influencing of any Government or ruling body by force, terrorism or violence.
Passive participation in war
No benefit is payable if the insured person:
goes to and remains in a country or an area where the British Government Foreign and Commonwealth
Office advises against all travel there; or
goes to and remains for a period of more than 28 days per stay in a country or an area where the British
Government Foreign and Commonwealth Office advises against all but essential travel; and
the claim arises either directly or indirectly as a consequence of war, invasion, act of foreign enemies,
hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion
assuming the proportions of or amounting to popular uprising, military uprising, insurrection, rebellion, riot,
military or usurped power or any act of any person acting on behalf of or in connection with any
organisation actively directed towards the overthrow or to the influencing of any Government or ruling
body by force, terrorism or violence.
Nuclear, biological and chemical events
No benefit is payable in the event of a claim arising, directly or indirectly, from any of the following:
nuclear fission, fusion or radioactivity; orthe use of nuclear, biological and chemical weapons and/or
devices; or
attacks on or sabotage of facilities and storage depots, which lead to the release of radioactivity or
nuclear, biological or chemical warfare agents
Illegal acts
No benefit is payable in the event of a claim arising from illness or injury sustained directly or indirectly from the
insured persons participation in an illegal act.
Self inflicted injury
No benefit is payable in the event of a claim arising from injuries sustained by the insured person (whether
sane or insane at the time) as a result of attempted suicide, intentionally self inflicted injuries or the gross
negligence of the insured person.
Suicide
No benefit will be payable if the insured person (whether sane or insane at the time) commits suicide or if death
results from the consequences of attempted suicide.
There may also be exclusion clauses that apply to a particular insured person as a result of his or her
undergoing underwriting (see Section 2 of the policy terms and conditions booklet).

PPTD dismemberment scales

PTTD Scale
Loss Event

Percentage of Sum
Insured payable

Full Benefit
Total and irrecoverable loss of sight, both eyes
Loss of both arms or both hands
Complete and permanent deafness through trauma of both ears
Removal of lower jaw
Permanent Loss of speech through trauma
Loss of one arm and one leg
Loss of one arm and one foot
Loss of one hand and one leg
Loss of one hand and one foot
Loss of both legs
Loss of both feet
Head Partial Benefit
Loss of osseous substance of the skull in all its thickness
surface area of at least 6cm
surface area of 3 to 6cm
surface area of less than 3cm
Partial removal of the lower jaw, rising Section in its entirety, or half of the
maxillary bones
Loss of one eye
Complete and permanent deafness of one ear

100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%

40%
20%
10%
40%
40%
30%

Lower Limbs Partial Benefit

Amputation of thigh (upper half)
Amputation of thigh (lower half) and leg
Total Loss of foot (tibio-tarsal disaticulation)
Partial loss of foot (sub-ankle-bone disarticulation)
Partial loss of foot (medio-tarsal disarticulation)
Partial loss of foot (tarso-metatarsal disarticulation)
Total paralysis of lower limb (incurable nerve lesion)
Complete paralysis of the external poplitic sciatic nerve
Complete paralysis of the internal poplitic sciatic nerve
Complete paralysis of the two nerves (poplitic sciatic external and internal)
Anchylosis of the hip
Anchylosis of the knee
Loss of osseous substance from the thigh or both bones of the leg (incurable
condition)
Loss of osseous substance of the knee-pan with considerable separation of the
fragments and considerable difficulty of movements in stretching the leg
Loss of osseous substance of the knee-pan while the movements are preserved
Shortening of the lower limb by at least 5 cm
Shortening of the lower limb by 3 to 5 cm
Shortening of the lower limb by 1 to 3 cm
Total amputation of all the toes
Amputation of four toes including big toe
Amputation of four toes
Anchylosis of the big toe
Amputation of two toes
Amputation of one toe, other than the big toe

60%
50%
45%
40%
35%
30%
60%
30%
20%
40%
40%
20%
60%
40%
20%
30%
20%
10%
25%
20%
10%
10%
5%
3%

Loss Event

Percentage of Sum
Insured payable

Upper Limbs Partial Benefit

Right

Left

Loss of one arm or one hand

Considerable loss of osseous substance of the arm (definite and incurable
lesion)
Total paralysis of the upper limb (incurable lesion of the nerves)
Total paralysis of the circumflex nerve
Shoulder anchylosis
Elbow anchylosis in favourable position (15 degree round the right angle)
Elbow anchylosis in unfavourable position
Extensive loss of osseous substance of the two bones of the forearm (definite
and
incurable lesion)
Total paralysis of the median nerve
Total paralysis of the radial nerve at the torsion cradle
Total paralysis of the forearm radial nerve
Total paralysis of the hand radial nerve
Total paralysis of the cubital nerve
Anchylosis of the wrist in favourable position (straight and pronation)
Anchylosis of the wrist in unfavourable position (flexed or strained extension or
supine position)
Total loss of thumb
Partial loss of thumb (ungual phalanx)
Total anchylosis of thumb
Total amputation of forefinger
Amputation of two phalanges of forefinger
Amputation of ungual phalanx of forefinger
Simultaneous amputation of thumb and forefinger
Amputation of thumb and finger other than forefinger
Amputation of two fingers other than thumb and forefinger
Amputation of three fingers other than thumb and forefinger
Amputation of four fingers including thumb
Amputation of four fingers excluding thumb
Amputation of the median finger
Amputation of a finger other than thumb, forefinger and median

60%
50%

50%
40%

65%
20%
40%
25%
40%
40%

55%
15%
30%
20%
35%
30%

45%
40%
30%
20%
30%
20%
30%

35%
35%
25%
15%
25%
15%
25%

20%
10%
20%
15%
10%
5%
35%
25%
12%
20%
45%
40%
10%
7%

15%
5%
15%
10%
8%
3%
25%
20%
8%
15%
40%
35%
8%
3%

ab-

cde-

f-

Loss is as defined in Dismemberment in Terms and Conditions booklet.

Anchylosis of the fingers (other than thumb and forefinger) and of the toes (other than the big toe) shall
only entitle the insured person to 50% of the compensation which would be due for the loss of the said
members.
The total compensation payable in respect of several dismemberment losses due to the same accident is
arrived at by adding together the various percentages, but shall not exceed the total benefit sum insured.
If the insured person is left-handed the percentage set out in the dismemberment scale for the various
disabilities of the right upper limb and left upper limb will be transposed.
Permanent disabilities not mentioned in the scale shall be compensated in accordance with their
seriousness as compared with those mentioned. The occupation of the insured person will not be taken
into consideration.
The partial or total 'functional' disablement of a limb or an organ, not specifically dealt with in the scale, is
treated like the partial or total loss of the said limb or organ.

Zurich International Life is a business name of Zurich Life Insurance Company Ltd which provides
life insurance products and is registered in Switzerland No. CH020.3.927.869-4.
Registered office: Austrasse 46, 8045 Zurich, Switzerland
Telephone +41 44 628 2828
Zurich Life Insurance Company Ltd is registered (Registration No. 62) under UAE Federal Law
Number 6 of 2007, and its activities in the UAE are governed by such law.
Registered office: PO Box 7596 Dubai, United Arab Emirates
Telephone +971 4 425 2400
www.zurich.com/igp
Calls may be recorded or monitored in order to offer additional security, resolve complaints and for
training, administrative and quality purposes.