Is there an Excess Period?
Yes, there is a 21 day Excess Period. Gifts are paid from the 22nd day. All periods are based on calendar days.
Why Calendar Days?
Because this takes into account that people do not on average have incidents/accidents on a Monday to Friday basis and that members have different rosters.
Why have 21 day excess period?
Each Pool is designed as a safety net for members of the Group. The 21 day excess period was specifically put in place to ensure that normal injuries and illnesses would not be included. The Pool gift is for those times when a member will go beyond the normal recovery times.
