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Product Information

Salary Protection


If you fall ill, have an accident or you are retrenched and temporarily unable to work as a result, you'll still need money to pay your bills and meet any financial responsibilities that you may have.

FRANK.NET offers Salary Protection, which ensures that your pay cheques keep coming if you become ill or injured until the age of 65 or you die or until you are able to work again, whichever happens first.

FRANK also offers a retrenchment benefit that will pay out up to six months.

Our Salary Protection product comes with a set of unique benefits:

  • Salary Protection helps you protect one of your most valuable assets: your future salary.
  • Your monthly payouts allow you to continue paying your bond, vehicle expenses, grocery and utility bills, as well as everything else that your salary typically covers.
  • FRANK.NET will make monthly payouts of up to 90% of your monthly take-home pay to a maximum of R55000 per month, determined by your personal details, if you can't work due to an injury or illness.
  • You can claim more than once for illness and injury.
  • If you have had Salary Protection for six months, you qualify for the retrenchment benefit, and if your claim is successful, FRANK will pay you an agreed portion of your monthly income for a maximum of six months or until you get another job, whichever happens first.
  • If you're rendered permanently disabled or unable to work as a result of illness or injury your cover will pay out until you turn 65 or die.
  • Reasons to choose FRANK.NET's Salary Protection

  • Direct telephone or online application saves time and money without brokers.
  • Straightforward cover makes it easy to understand our products and agreements.
  • Competitive monthly premiums enable affordable long-term insurance planning.
  • Immediate cover provides cover without any delay.
  • Nurses on wheels conveniently take your blood test where and when it suits you.
  • Monthly payouts of up to 90% of your current take-home pay in the event that you cannot work due to illness or injury.
  • In addition, the retrenchment benefit will ensure monthly payouts of an agreed portion of your current salary for up to six months.
  • Standalone insurance products enable you to take out Life Cover, Salary Protection or Disability Cover independently, depending on your needs.
  • Contact FRANK.NET on 0860 722 227 for a free quote or to learn more about getting a
    Salary Protection policy.


    Protect your future income with Salary Protection from FRANK.NET

    One cannot be a 100% guaranteed of a stable job in this day and age.

    Luckily, FRANK.NET offers Salary Protection to defend you against financial hardship should you be left unable to perform your job for a while due to sickness, injury or retrenchment.

    FRANK.NET can help you get back on your feet financially.

    With Salary Protection from FRANK.NET, you have everything to gain.

    We offer reasonable monthly premiums and payouts of up to 90% of your current monthly take-home pay, paid out to you monthly, depending on your personal details, if you can't work due to an injury or illness.

    Our Salary Protection product is something you cannot afford to ignore. This is especially true if you’re the primary breadwinner in your family.

    Secure your family’s future – as well as your own - with a Salary Protection policy from FRANK.NET. It will provide you with peace of mind knowing that the financial wellbeing of your family is ensured by protecting your monthly salary.

    Before taking out a Salary Protection insurance policy from FRANK.NET, take a moment to get to know the product.

  • This does not give a lump sum payout.
  • Salary Protection protects people who rely on a permanent salary.
  • FRANK.NET offers protection up to retirement or the age of 65.
  • If you're rendered permanently unable to work as a result of illness, accident or disability, FRANK.NET will pay you a monthly salary up to the age of 65.
  • In addition, if you're retrenched, FRANK will pay you an agreed portion of your monthly income up to six months while you are actively looking for work, if you have had Salary Protection for six months prior to the start of the retrenchment process.

    Contact FRANK.NET on 0860 722 227 to get a free Salary Protection quote or to find out more about our Salary Protection product.

    What you need to know about taking out Salary Protection from FRANK.NET

    Most people pay their bills out of their monthly salary. It's surprising then that some people don't have Salary Protection. If you're ever incapable of working due to injury, illness or retrenchment – and provided you're still paying your premiums correctly – FRANK.NET will pay you the amount stipulated in your policy.

    There are a number of factors to take into account when applying for a Salary Protection policy from FRANK.NET:

    Take-home pay - Your take-home pay is the regular cash amount you receive from your employer after tax (PAYE) and employee benefits (e.g. medical aid and pension contributions) have been deducted.

    Tax - From 1 March 2015, Salary Protection payouts are tax free and FRANK.NET will not issue contribution certificates for tax deductions on your monthly payments.

    Payout - The monthly payouts will start three month after the last salary payment from your employer.

    Retrenchment - FRANK.NET will pay you if you lose your job as a result of your employer facing adverse business conditions, introducing new technology or restructuring the organisation and your employer followed a legitimate retrenchment process in terms of the Labour Relations Act.  As long as our agreement with you has been active for at least six months, you're not self-employed, employed by any of your family members or were aware that you'll be retrenched before taking the cover, FRANK.NET will pay out for a maximum of six months. Voluntary retrenchment is not covered, and you cannot have declined a reasonable alternative job offer either from the employer that retrenched you or from any other potential employer. You need to actively seek employment during the claim period.

    FRANK won't pay out if you have not been in permanent, uninterrupted employment for at least 24 months before the start of the retrenchment process. (One break of less than 30 days between employers will be considered as uninterrupted employment). You should also have been permanently employed for at least 12 months by your current employer.

    Notifying FRANK.NET of lifestyle choice changes - Once you have Salary Protection from FRANK.NET, alert us to any changes regarding the physical obligations of your occupation, if you start or stop smoking and start or stop risky sports or hobbies. We may have to amend your agreed payout and premiums. If you don't let us know, any future claim may be affected or even declined.

    Claim payouts - We want to ensure that when you claim, we pay. Strive to obtain and follow qualified medical advice when required. FRANK.NET will not be able to pay the claim if you injure yourself on purpose, or if you are injured while breaking the law or while intentionally exposing yourself to war or war-like activities.

    HIV testing - FRANK.NET will need the results of a recent HIV (Human Immunodeficiency Virus) test from one of our laboratory partners, sent to us within three months of the start of the policy agreement. FRANK.NET will pay for the test and the results are kept completely confidential.

    Keep making payments - If you claim, you need to continue with your monthly payments to ensure that you remain covered. You can claim more than once for illness and injury.

    Contact FRANK.NET on 0860 722 227 to get your free Salary Protection quote or to find out more about our Salary Protection product.

    You can't work for a while, we pay - Salary Protection from FRANK.NET

    Salary Protection from FRANK.NET safeguards you against unemployment due to illness, injury or retrenchment. If your premiums are up to date when you lodge a claim, FRANK.NET will assess your request and make payouts accordingly. Because your salary helps you to afford your possessions, Salary Protection helps you to avoid losing your assets or becoming a burden on family members while you look for a new job.

    Our Salary Protection product is easy to understand and easy to buy. You can call 0860 722 227 or buy cover online. Your cover and premium will be based on your personal risk profile and you can get cover for up to 90% of your monthly take-home pay, to a maximum of R55000 per month, for illness and injury insurance. In addition, you will qualify for the retrenchment benefit after six months of having the cover. It is important that we receive accurate information from you to ensure that when you die, we pay.

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