Some benefits are linked, meaning they have rules or dependencies that connect them to another benefit. These are also known as related benefits.
For example, you may need to select a particular benefit before you can choose a related benefit, or there may be limits on the level of cover you can select.
What Are Linked Benefits?
Linked benefits are benefits that depend on another benefit being selected or configured in a certain way.
For example:
- You may need to select Critical Illness before you can select Partner Critical Illness.
- The level of Partner Critical Illness cover may not be allowed to exceed your own Critical Illness cover.
How Do I Know if a Benefit Is Linked?
If a benefit is linked to another benefit, you may see:
- An information message explaining the relationship between the benefits.
- A red benefit tile indicating that action is required before you can continue.
The portal will guide you with relevant messages when a benefit has linked requirements.
What Happens if I Don't Meet the Requirements?
If you try to select a related benefit without meeting its requirements, you'll see a validation message explaining what needs to be changed.
For example, if you select Partner Critical Illness without selecting Critical Illness for yourself, the portal will display a message explaining the dependency.
Once you've selected or updated the required benefit, you'll be able to continue.
Why Is My Benefit Showing in Red?
A linked benefit may be highlighted in red when it doesn't meet the required rules.
For example, if your Partner Critical Illness cover is higher than your own Critical Illness cover, the benefit may be highlighted in red.
When you open the benefit details, you'll see a message explaining what needs to be adjusted before you can proceed.
Can There Be Dependencies Within the Same Benefit?
Yes. Some benefits contain options that depend on other selections within the same benefit.
In these situations, you may need to choose one option before additional options become available.
If this applies, the portal will display on-screen guidance explaining what is required and how to continue.