When you reach this ceiling, we apply the maximum no-claim discount (Rating 1). 11 – 20. Heck, IAG companies provide 65% NCB to 18 year olds, no questions asked. You may be eligible to protect your no claims discount for an additional premium. If your car can't be driven after an accident and a hotel stay is necessary, we'll pay up to £150 towards the expense (or £250 in total if there are other passengers with you). For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. This is usually achieved when you don’t make a claim for five years. Bonus usually is a discount in the premium which is given on the renewal of the policy if no claim is made in the previous year. D. We paid over 99% of RACQ Comprehensive Car Insurance claims in 2022. If it’s a no-fault claim, your discount will not be affected. varies widely by state. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. While the amount your no claims bonus is worth will vary across different insurers, a no-claims history of five years or more will likely net you a significant discount. Aviva has more than 18 million customers thanks to policies such as courtesy car inclusion and accidental damage cover. This discount can be anywhere up to 60% in the first year. It’s possible that your no-claims discount will be listed on your renewal letter. Is it worth protecting no claims on home insurance? How much could I save? After the first year, a no claims discount could save you around 10-15% on your home insurance premium, then up to 40 or even 50% after five years. It reduces the premium you have to pay for the following year. Many insurance providers put a cap on no-claims discounts after around five years, but up until that point, you will save money for each year that you don’t claim on your car insurance policy. No Claim Bonus or NCB is a reward given by an insurance company to an insured for not raising any claim requests during a policy year. When you renew your insurance and you want to move to a new motor insurance provider, the NCD database enables the new insurer to verify your no claims discount directly from the database. Save 15% ^ on your first year’s premium when you purchase a new policy online. the possibility of a claim being made. If you have not made claims for one year, you can obtain a 20% NCB if. With each year of no claims bonus you earn, you gain an additional discount usually up to 9 years. The lower your rating, the bigger your discount. It offers a 3-year as opposed to 2-year new-for-new replacement. 20% Off *. 12,000, not Rs. For example, if a policy normally costing £1,000 is eligible for a no-claims discount of 20%, it would cost £800. Each year that you go without making a claim, the discount increases. The discount benefit allows you to purchase your existing medical insurance policy at a discounted premium amount. EPV of future expenses to the insured, given no claims during the last i years. Get a hire car for up to 21 days (up to $75 a day) if you are unable to use your vehicle as the result of an incident. Progressive car insurance costs $2,075 per year on average for full coverage insurance. Get owner NCD questions solved for Budget Direct. To minimise costs, you should start by considering who is on your policy. 65% or Rating 1: No Claim Discount Protection option selected. What is a no claims bonus? A no claims bonus is built up each year that you drive and do not claim on your insurance. The Exeter aims to provide a fair approach to No Claims Discounts and clearly outlines how it works in their policy documentation. Online discount: $50. At Youi we use your actual incidents & claims record rather than the no claim bonus declaration. Alternatively, if you’ve decided to switch insurers, you may find your no claims discount is on your cancellation letter. While this is a possible type of No Claim Bonus, very few insurers prefer to give a premium discount. Updated NCD tables. No claims discount protection typically means a policyholder can make a claim on their car insurance, if they need to, without losing their no claims discount altogether. The No Claim Discount rate is fixed by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff that increases yearly up to 55% after five years as long as no claims are made. Title: 03. A $50 discount on your first annual premium when you apply online. A No Claims Discount is a discount that is applied to your car insurance premiums based on the number of years you have been claim-free. But the biggest percentage discount is only worth having if the underlying price is right. Can I have 2 no claims bonus? Unfortunately you cannot use your no claims discount twice. If you have car insurance, you can be eligible for a no-claims discount for every year that you don’t make a claim on your policy. The potential discount for a No Claims Bonus of one year can vary between insurance providers. It is a reward to you for the cautious utilization of your vehicle. Maximum discounts range from 40% to 80%, and the number of. The discount increases each year if you don't claim, up to a maximum number of years. If you don’t make any claim for an entire, you’ll receive a 10%-15% discount amount. We calculate Your No Claim Bonus rating based on: A no-claims bonus for car insurance is a reward for driving safely and not filing a claim for a certain amount of time – typically a year. You can get this information from your insurance broker or insurer. 6%. Some insurers might honour your no-claims bonus when you cancel your car insurance and get a new policy. Although discount rates will differ between providers, according to the Association of British Insurers , one claim-free year could slash as much as 30% of your. When you reach this ceiling, we’ll give you a maximum no-claim discount, also known as a Rating 1. %. e. Certain insurer allows NCD protector with 30% NCD. Essentially it's a discount for not making a claim. However, the percentage will reset to zero once you raise a claim. A No Claims Discount (NCD, otherwise known as a No Claims Bonus) is a discount offered by some insurers to reward good driving behaviour. If your second year goes without any claim, the discount will go up to 25%. 40%--Five years or longer:The person who drives the car the most must be listed as the regular driver; it is their no claim discount or driver rating that is used to help calculate the premium. A No Claims Bonus for auto insurance offers you a discount off of your physical damage premium for not presenting any claims. Location. The NCB will be 45% and 50% if the claim is not filed for four and five years, respectively. Several discounts available. 3. Picking a car insurance policy to purchase often feels like. 51%: 6 Years. For every year that you don’t make a claim on your car insurance, your discount increases. Every insurance company has a different. Cover information and limits in the table below verified as correct at 22 November 2023. A no claim discount or a no claims bonus can go a long way in helping cut the cost of your insurance. While a no claims discount is valuable, there are many more factors attributing to your premium. Premium: No accident. No Claim Bonus Calculator: If you are wondering how NCB in Car insurance is calculated, the following paragraphs will give you the answer. You can even transfer your no-claim bonus or driver rating from your current insurer to Budget Direct,. Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. How many years is maximum no claims bonus? The maximum no-claims discount is usually capped at five years by. See “Our discounts” section of page 6 of this guide for more detail. There is an immediate benefit in terms of discount in the rate charged. A No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the current/existing insurer. With up to a 55% and 25% off in insurance premiums for private car and motorcycle/commercial vehicles. Most insurers apply the discount after rating holistically, not selectively. Depending on your claims and insurance history, you could get a No Claim Bonus of between 0% and 20% 1. Your no-claims bonus builds up with each year you drive without claiming, thus, the longer you go claim-free, the bigger discount you’ll see on your insurance premiums. $1,500: Quotation from our approved repair to have your vehicle repaired. Our full-featured cover and reliable service rewards you for your careful driving with a No Claims Discount of up to 75%. Up to £250. This discount is transferable and can be. No Claim Discount (NCD), also known as a No Claim Bonus, is a discount on your car insurance premium that your insurer may offer as a reward for not having made a claim against your policy. No claim discount: Safe Driver Rewards discount is protected if no more than 1 claim is made per renewal period. No claims discount (NCD) is one of the biggest rating factors when it comes to motor insurance and building it up can lead to large discounts from insurers. Include the day/time and place your e-signature. but how do you know if you have a rating discount? User #16579 13175 posts. Benjamin Taylor | Edited by Hannah McEwen. If you’ve been driving for five years and haven’t made a claim on your car insurance, you’ll earn five years no claims discount. So, drive safely, build those claim-free years, and enjoy the savings when you renew. Nath 225 Table 1. No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. Note also that, this is for one policyholder who is bringing a lot of risks into the pool and might also be paying more premium. 27, and. The benefit kicks in after you do not file a. Not at fault - Yes. Change the blanks with unique fillable areas. The report found that these schemes do not operate in the way consumers might reasonably expect. Nikolaos Kefallinos discusses the development of national no-claims discount schemes, and their contribution to public road safety. Your current certificate of insurance will show any No Claim Bonus and any benefits that apply to your motor vehicle policy. The discount percentage will go up progressively every claim-free year. Read more about NCD:5-10. The information below explains our No Claim Bonus discount. The No Claim Discount first appeared in car insurance, and since then, more and more. For new customers NCB is based on years of driving experience. for not having any insurance claim by third party made against your car insurance policy. If you make a single claim or one arises against you during any period of insurance, we will reduce your No Claims Discount in the following intervals: - A 50% discount is reduced to 20%, - A 40% discount is reduced to 10%, - A 30% or less discount is reduced to 0%. The table above states the NCD rate in Malaysia, and the amount differs depending on the type of vehicle you’re using. A No Claim Discount/Rating 1 for Life applies to some policies. One year NCB can result in around a 7% discount growing to 40% when you reach 9 years. Progressive’s annual. UK insurance companies call this system a No Claims Discount (NCD) or a No Claims Bonus (NCB). Reduced windscreen excess. 5,000. Additionally, further discounts for AAMI’s Comprehensive Car Insurance policy include $50 off when purchasing online, up to 10% off when you pass the skilled drivers discount, and up to 20% off. — including cars you no longer drive; Otherwise, you should. • NCB is applicable per item and not per policy in general. Period of insurance with no claim. When you’re looking for a new car insurance policy, you can check how many years no claims bonus each insurer will take into account by using our free tool . 25%. Which means if you did have a bump your £431 renewal quote could be £1077. Both terms refer to the same reward given to drivers who have not made any claims on their car insurance policy during a certain period. Then try adding in no claims protection to the quote and comparing this again. Here’s how it works: for the first year, you won’t receive any discount, but after four years of safe driving, your NCD rate can reach as high as 38. It should, however. First discount is up to 30% No Claim Bonus, second discount is up to 10% for combining buildings and contents covers on the one policy and the third discount is up to 10% discount for buying online. So after one year you might get. If you make no claims on your car insurance, you receive a no claims bonus in the form of reduced premiums. Volunteers of America Car Insurance Discount for 2023. Firstly, it helps you save on your premium as insurers offer a discount for every year you don't make a claim. 55%. 15%. After the first year, this discount increases each year, usually by 5%, if you don’t make a claim. $1,361. 40%: 3 Years. While the insurer reduces your premium, all your health insurance benefits remain intact. Similar to a no claims discount, this program rewards you for driving safely and not making any claims. A quick and easy way to buy and compare car insurance is via a comparison. No claim discount systems (sometimes also called Bonus-Malus systems) are experience rating systems which are commonly used in motor insurance. No Claims Discount (sometimes called No Claims Bonus or NCD) rewards drivers who haven’t had a claim against their insurance policy for a certain period of time. Your NCD will be reduced to 0% when 2 (or more) claims are received under your policy in a policy term. You get an increase in your NCD for every year that you don. 86. 第. Thus, when. For example, if you have protected maximum no claim bonus and make two 'at fault' claims during the year, your no claim bonus will reduce to 40%. 8/5 ( 36 votes ) Definition: No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. Providers will usually give you between seven and 28 days from the start date of your new policy to prove your no-claims discount. Speak with a real person. Each insurer’s no-claims bonus scheme is structured differently, varying in the size of the discounts and the number of claims-free years it takes to earn them. A maximum of 50% discount on the premium to be availed in case you don't make a claim. It can then be used to lower your premiums. Click ‘Get My NCD Record’ or if your vehicle is registered under a company, you can key in the business registration number. 2. Yes - Up to 14 days, max $1,000 total. The discount is applied to your car insurance at renewal. The Cost of Insurance The price we quote for insurance is at our sole and unrestricted discretion. Loss Distributions (C2, Unit 11)A normal average premium for drivers in the area is £734. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. Comprehensive car insurance generally covers the following: Included. say, pays more for. Shannons gives you multiple ways to save – from a multi-vehicle or policy discount to a protected no claim discount. Ratings start at 6 and decrease for every consecutive year you don’t make a claim. The longer you’re claims-free, the more savings you’ll receive. As a reward for not claiming on your insurance for five years, your insurer will apply a discount of 60% to your premium. This builds up every year, and could end up giving you as much as 60% off your car insurance. Malcol. This is your insurer's way of recognising and rewarding you for having been a careful driver. Authorised insurers can also access records of your no-claims bonus online, by using the Motor Insurance Bureau’s no-claims discount database. A choice of market value or agreed value. Here's an example of how your protected no claims discount works with an increase in the annual premium: Your insurance costs £1,000 in the first year but is reduced to £400 after applying a 60% protected no claims discount. Getting a No Claim Bonus. RAC Comprehensive Car Insurance Plus has been given a 5 Star Rating by Defaqto. In order to benefit from any potential NCD, you need to. Some insurers offer protected discount policies which allow customers to make a. Discount in. This bonus is reduced when you make a claim. And if you've gone a year without filing a claim, you probably already have it. Essentially, the longer you go without making a repair claim on your insurance policy, the bigger your No Claims Bonus gets, and the more money gets knocked off your annual insurance policy. The No Claim Bonus comes with a comprehensive cover, which reduces the bike insurance premium by allowing the insured to apply these bonuses. If you don't claim on your car insurance, your insurer will give you a no-claims bonus each. Malus is an increase in the premium if there is a claim in the previous. people who live together) who drive the car must be listed on the policy, otherwise they will not be covered. NCB stands for No Claim Bonus. This is popularly known as No Claim Discount (NCD). First: notwithstanding the drama around the administration of former president Donald. Each full year you don't make a claim, you'll earn an extra year's no-claims bonus, which can result in some serious discounts. We’ll automatically email your proof of NCD when your Ticker. ) NCD rates for private cars, motorcycles, and commercial vehicles are as follows: Whenever you renew your private car insurance in the second year, you're eligible for a 25% discount on your basic premium because your NCD will start accumulating after your first year of insurance. 15%. If it's less than $10,000 your business will be in our No Claims Discount programme. Typically the older the drivers, the lower your premium will be. At Budget Direct, the NCD is capped at 5 years. A no-claims discount is a percentage off the full price of a car insurance policy. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. The No Claim Bonus thing, to me, is smoke and mirrors. Updated on Apr 27, 2022. If you make more than one ‘at fault’ claim your maximum no claim bonus protection no longer applies and your no claim bonus discount reduces. We believe that by removing this out-dated structure Suncorp will be better positioned to offer more competitive premiums and to better. 29%; 4. The more years No Claims Bonus earned will result in a higher discount off your premium, subject to our maximum. 40%. 6 million USAA insurance reviews on the App Store and a 4. our Best Home Insurance Companies of 2023 rating, while State. You can check your NCD rate online instantly for free. NCD is earned once you’ve completed your first year of claim-free driving with one insurer as the policyholder. Find answers to frequently inquired questions about no-claim discount for Comprehensive Car Insurance policies. The more years No Claims Bonus earned will result in a higher discount off your premium, subject to our maximum. This means that if you have a claim-free record for six years, you can. Nationwide: Best perks for loyal customers. ¹. So the more claim-free years you have, the lower your price will be. The more years you’ve driven in a row without making a claim, the bigger your discount. Direct Line receives a Trustpilot score of 3. The NCD discount rate varies from one insurer to another, but it increases year-on-year from 20% all the way up to a maximum of 60%. Car accident and collision damage. 55% 45% 35% 25% 0% HOW DOES NO CLAIM BONUS WORK? No Claim Bonus is calculated on each policy, unless your claims history does not entitle you to a No Claim Bonus. No Claim Discount. Through the Experience Rating programme, you could get a discount of up to 50% off your Work levy, or have up to 100% added to your work levy. Volunteers of America Car Insurance Discount for 2023. No Claim Discount/Rating. What are the NCB discount rates? The no claim bonus feature gets you discounts in the premium ranging from 20% - 50%. 0 in the Apple App Store backed by over 190,000 customer reviews and a 4. The Discount Benefit. 1 in our Best Home and Auto Insurance Bundles of 2023 rating. However, any claim or incident may affect the terms that apply to your policy at your next renewal (including your premium or excess). Product. We calculate your No Claim Bonus rating. No claim bonus is a form of discount on car insurance which is offered to the customers who have not made any claims in the past year. Percentage of discount. . A No Claim Discount is a benefit you earn when you complete a full year with your insurer and don’t make any fault claims. Important information on terms, conditions and sub-limits. A really big indicator of how likely you are to make a claim in the future is how many claims you've made in the past. We just prefer to keep it simple and give you the best possible price from day one. A no claims bonus (NCB), or more correctly a no claims discount, is awarded if you don't claim in the latest policy year. But that’s not because we don’t believe in rewarding smart drivers. Your yearly premium may climb to $1,100 the following year due to regular cost increases. Your No Claim Bonus rating for a vehicle will increase after each claim free year you have. Fincrew provide the fastest way for Malaysian drivers to check their no. Compare the best car insurance policies to see how Hastings Direct scores. For comparison, More Than has a 3. But typically, you’ll earn a 30% discount after one year without a claim, around 40% for three years, and 60% for five. No claims discount of up to 60% . With a 5 Star Rating from Defaqto, our comprehensive car insurance provides excellent benefits such as the uninsured driver promise and new for old cover. This goes up to 45% upon the fourth annual renewal and reaches the final 50% mark when the fifth claim free year. apply for a 'no claims discount' If you’re a good driver and we have all the right information about you to evaluate your risk level effectively, you can also expect to pay lower premiums. The calculation method of the NCD is also slightly different for private cars, motorcycles, and commercial vehicles. In this scenario, your no claims discount would be reduced at renewal, have a look at the table in your schedule of insurance for details. £ change from no accident claim. Compare the best car insurance policies to see how Hastings Direct scores. If there are still no claims on your policy, you keep getting a discount. Hence the name – “No Claim” Discount. Your car insurance premium will be reduced depending on the amount of no-claims bonus you’ve accrued, and it’s estimated that you could pay up to. , policyholders) who have not made any claims in the past year are offered a discount or bonus on their renewal premiums by the insurance company. New Car Insurance Discount for 2023. Auto-Owners: Best Cost for Drivers Who Have Caused an. Insurers generally assign ratings to cars with a no-claim bonus, starting at Rating 6 and increasing by one for each year you go without a claim until it reaches Rating 1, at which point it reaches its maximum and won’t increase any further. No Claims Bonus Protection does not stop your insurer from increasing the base premium, contrary to popular belief. American Family: Best large insurer. Some insurers increase premiums for cars more. No Claim Discount (commonly abbreviated to NCD) is a type of motor insurance discount given to you: for not making any insurance claim (being a safe driver) in the past 12 months AND. 20%. The taxi benefit includes up to $250 worth of cover per claim. A no-claims discount is a percentage off the full price of a car insurance policy. The following example lists the number of years without claim for a private car and the corresponding discount rate for no claim: No-Claims Discount in year 1 renewal：20% NCD. Save 15% ^ on your first year’s premium when you purchase a new policy online. All the most important new car launches, model updates, car. This bonus is reduced when you make a claim. Rank. There is no way for other people to build up a no claims history on someone else's policy — the no claims period relates to the policyholder alone. The discount is applied to your car insurance at renewal. No Claims Discount (NCD) is the UK system for rewarding safe drivers. If you make a claim on your policy your No Claims Bonus could be. The discount increases each year if you don't claim, up to a maximum number of years. Quick, easy and accurate. Higher limits for some. ' 'no-claims discount' or. 5 stars out of 5 for overall performance. $11,600: Settlement Calculation. You’ll start out on ‘Gold Status’ and if you drive safely for a year and make no claims, you’ll receive a ‘Safe Driver Rewards credit’. Updated on Apr 27, 2022. 0%. Premium: At-fault accident. Some insurers simply write letters stating that you have a bonus, as well. 15,000, considering the 20% NCB bonus on the premium. It’s basically a reward from your insurer to you for good driving. If you do not raise claims for five consecutive years, you gain a 50% discount on insurance premium. Having a No-Claim Bonus in your car insurance coverage can cut down a significant amount of policyholders monthly car premiums. The level of your discount is stated on your Certificate of Insurance. Allstate offers a discount of up to 20% for new customers who have no recent claims and switch to Allstate. If you need to show your good driving record for CTP. Admiral scored 69% for customer satisfaction, placing it 12th of the 15 car insurers we received sufficient responses for in our customer survey . Viewing your car insurer’s latest renewal offer. This includes car type (and its safety rating), car age, car usage, garaging situation and your claims history (plus more). The proof of your no claims discount is the number of policy years that you have had for the vehicle. 5% and increase to a maximum of 15% after ten years of driving safely. 41 of 2017, drivers with a no-claim record of one to three years are entitled to an assured reduction. Not at fault - Yes. We believe that by removing this out-dated structure Suncorp will be better positioned to offer more competitive premiums and to better reward and recognise good drivers. $113. The way that the no claims discount protection works is that for each year you don't make a claim, your no claim discount will increase, with the maximum discount of rating 1 or 60 percent. Maximum no claim discount term: 10 years. Usually, your no-claims bonus stays valid without a car for around 2 years. Are my personal effects covered? Yes, Commonwealth's comprehensive plan includes $500 cover for. Some insurers may also offer no-claims discounts for periods. 4. Protecting your No Claims Discount doesn’t come for free, you’ll have to pay for the privilege. Rating 1 protection is usually a paid option that allows you to make 1 at fault claim without losing your rating 1. No Claim Bonus (NCB) is a discount given by insurance companies to policyholders in India who do not make any claims during the policy period. A No Claim Bonus 1 is a discount that can be earned on eligible Comprehensive policies in recognition of a claims-free record. net. Just follow these easy steps to do it online: 1: Head over to MyCarInfo. It sells slightly different variants of its cover through comparison sites - called 'Aviva Online' (65%) and 'Aviva Premium' (66%). 10 May 2018. Read our handy guide on all things NCB, covering commonly asked questions about the discount. You may get an additional 5-10% discount for the consecutive no-claim year for up to 5 years. No Claims Discount can lower the price of your Private Hire Insurance; Zego offers the maximum discount with 5 years NCD; Zego’s NCD Protection helps you keep your discount even if you make a claim; By law, UK taxi drivers must have Private Hire insurance that covers them to carry passengers for payment. Meaning the same thing, NCD/NCB stands for ‘No Claim Discount’/’No Claim Bonus’. Your no claim bonus is a discount applied to your comprehensive car or caravan/trailer premium as a reward for your safe driving. You make an at fault claim that year. It does this by giving you a discount for every year you drive without making a claim. As a motorist, your no claims discount makes a massive difference to the cost of your insurance premium. A NCD is a way to adjust the price down as you build up evidence of being less likely to make a claim. Just follow these easy steps to do it online: 1: Head over to MyCarInfo. Forum Regular reference: whrl. 15%. Proof of no-claims can be found if your no-claims bonus is higher than the insurer’s maximum. After you key in the details, you’ll be able to check the information below: i. Typically, you earn one year of NCD for every year you don't make a claim on your car insurance. Reviewed by Carrie Adkins. This discount can be anywhere up to 60% in the first year. A no-claims discount is a perk that encourages safer driving. 1 Year: 34%; 2 Years. Define No Claims Discount. Unfortunately, there’s no easy answer here. No Claim Discount, commonly referred as NCD is a vital part of your car Insurance. A no-claims bonus for car insurance is a reward for driving safely and not filing a claim for a certain amount of time – typically a year. A No Claims Bonus can only be used on one vehicle at a time. This is usually measured via ratings, with Rating 1 being the maximum possible discount available. Grade 4 = 0%. Homes with lightning protection systems do get a. 3: Click ‘Get My NCD Record’ OR if you have a company vehicle, type in the business registration number. NCD is a discount ranging from 25-55% on your premium payable that has to be earned by maintaining a claim-free record in the past 12 months. You can check your NCD rate online instantly for free. Unfortunately, Direct Line offers only £200 cover for medical expenses. No Claim Bonus or NCB is a reward given by an insurance company to an insured for not raising any claim requests during a policy year. 1. No claim discount – the system of discounts for no insurance claims; Rating system based on the past merits of drivers (policyholders). posted 2012-Jul-13, 11:30 am AEST. A no claim bonus (also called a no claims discount, safe driver reward, no claim bonus rating scheme, or rating level) typically gives you a discount on your car insurance. However, the percentage will reset to zero once you raise a claim. Theft (also covers damages from vandalism) Hire car cover. But if you've paid for the extra, it should be protected. In most developed countries, a car insurance system has a rating system that fines the policyholder responsible for one or more traffic accidents with an increase in the premium or a malus, and encourages. A feature of Budget Direct’s car insurance is a discount when you restrict your policy to drivers over a certain age.