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record_id: record_hash_97120e9b0981afc5ecf42f67e6c14f4b
app_id: Direct Query Engine
output: "The plan that would solve this problem is a portable medical benefits plan."
tags: -
perf_json: {"start_time": "2024-02-15T15:33:42.109776", "end_time": "2024-02-15T15:33:43.060763"}
input:
  "When an employee leaves his current company, medical benefits provided by his employer will automatically be terminated. Which of the following plans purchased by the employer will solve this problem?"

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To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. 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"2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "629073f2-f1c1-475b-95c7-ad6c4f07ed4a", "node_type": "4", "metadata": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "hash": "f05d3d6f77a4be7efa5dba217d0d700638458da45bce9e096d167e0146509707"}, "2": {"node_id": "236c0a98-d4b2-402c-9499-2b7e6f3539b4", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI Chapter Summary Version 1.3.pdf", "file_name": "HI Chapter Summary Version 1.3.pdf", "file_type": "application/pdf", "file_size": 811447, "creation_date": "2024-01-02", "last_modified_date": "2018-05-07", "last_accessed_date": "2024-02-14"}, "hash": "0629fbe2571f14b5360ae301464f4c500f9f93dc9f7f93500b2b7c87899ec03b"}}, "hash": "acea7c2bbc7833d59e7f524380fd4149c4422c0741576974205bda8de020a951", "text": "Chapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. 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"2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "629073f2-f1c1-475b-95c7-ad6c4f07ed4a", "node_type": "4", "metadata": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "hash": "f05d3d6f77a4be7efa5dba217d0d700638458da45bce9e096d167e0146509707"}, "2": {"node_id": "236c0a98-d4b2-402c-9499-2b7e6f3539b4", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI Chapter Summary Version 1.3.pdf", "file_name": "HI Chapter Summary Version 1.3.pdf", "file_type": "application/pdf", "file_size": 811447, "creation_date": "2024-01-02", "last_modified_date": "2018-05-07", "last_accessed_date": "2024-02-14"}, "hash": "0629fbe2571f14b5360ae301464f4c500f9f93dc9f7f93500b2b7c87899ec03b"}}, "hash": "acea7c2bbc7833d59e7f524380fd4149c4422c0741576974205bda8de020a951", "text": "Chapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. The premium payable is $584.44.", "start_char_idx": 0, "end_char_idx": 2126, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.2599499530419096}, {"node": {"id_": "92e2b95f-ec64-4b0e-ae30-60713643a759", "embedding": null, "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d84b2bb6-6536-4908-8ae3-5bad7c58a777", "node_type": "4", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "cc28b9eb1c45adb59515b6874c29da928a5add732e947539fb07ef83fb73efac"}, "2": {"node_id": "9eb2ca8d-bdc7-4c27-a7bb-b93178003332", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "1359f0cce43a11da305ea37083342f7532cb4f3267258c33aa9deee0c3c75bba"}, "3": {"node_id": "5ff81f9c-2b81-4a03-9a93-a1cfdc9d2ef6", "node_type": "1", "metadata": {}, "hash": "7e809d035a690325f5d562d77bd0391c4c00e8262dd75c5b4061b7447040131c"}}, "hash": "1ec5a4bab924123b31dee0273a67a2e10e14d81e92c59a619257e9bbc5255d0a", "text": "; 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Which of the following plans purchased by the employer will solve this problem?", "text_chunks": ["file_path: ../raw_documents/qna.txt\n\nChapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. The premium payable is $584.44.\n\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n; +|}#\"\u0012R0\u001fV(( HV8\u0013\u0012L3\u0012\u0002!N\u0006\u04768\u0555\b \u0017W\u03b3\u0005z\u0017j\u0784\u001aV8J1)\u007fz\u03df\u007fl\u001a;\"et\u02b4\u0007+5\u05cdxUF\u0243W\u06fcAlh_*l}Ue\")<4X\n\nEP\u00186yF@t~)UyI\u0010\ub8f4P}b*G~\u049231\"\u0327W;?=l2u\f.J_\u0013W\u000f*9{\u001b\u0019c&\u001bERRn(G\n\b\u0006\u0005\u0005zG&\b\n\u000bt\u039b M\u001cGh0)\u0118=A8\\\u007f\n&\b8>XWXcvfiiqnJ\u4658\u0017\u0007DzgV)+\u001f|\u02f5m/ku\u001a\u0007\u000b'~\u000e\u031dp\u0016T\u0003\u0006mBWj|-Xcf3P\\$2U\u0005;>k?ld\u001dd;+\u001fZ\u0014\u0019E\u001f\u0004\u000eg\"#&a\ud88a\ude6d4\u007f!mi\u0402A5\u0363\u001c[x|c\u000e/yc2\u000f6l\u0000b\u0749\u0005Lq[ed\u00053\u0017}\u0019Z.\u01fe%p^3iJic6/56%RA1D+^*>L\u0003,VL-Y\u025b!D\u0011$\u05e0\u00d0(gUN?: &3MIo4\u000b\")Emf9m\u0015'7Ty\u0012F\u001e\u0000k\u001c\u0007a)NR\u0014a\u0013\u0015c\u0007W\u001bK&u1o@LI,AU\u061aKL \u0014K^8xL\u0003u<N\\+@7q%\u0000\u0017\u001ae\u00035\ue63a\u007fNEZ\\NS\u0014b;c?\u077fFyW\u0018.\tT\u0004+,\u000e)X\u0001u[E`%`N\u00c7\u0015\u014er^bJQdle\u0395w0\u0105\u0019ko\u001a\u001aPo.^\u000f\u000bYeQ)Bxh&)\u000bmX\u0106\u0006#GT\u001bw\\)*S?:&3N,$0{rN3b\u001cDbgLt\u001a{\f\u0016@[--]ZZN\n%!J\u0006d*\u001d\u0014\u0012,6$\u00067y\u007fy\u001dT\u000bGACr X\u96d8\u001f\u0019\u0014\u0019\u0014l\u0005Kx\u0017to7\u0019\u0006T!\u0016+7q\ubb84\u0013\u000fOtJ`4F\u0004}R]#b%U\u001dT0n\u001duGRS\u0006\nG~@\u0522dk!?\u000f\tJ*:sE!I\u0019s\u001d7d\u00e4T_IK\u0633\u000b1)V//3\u007f\u001bL[?OS\u000e4<\u012b8\u001c\u007fk\u001d/\u06adf/ST.wf)9\\R\u0012R8fV\u000e-6\u05de~F7\u007f1\u0002\u051a7]\ucad9\u0179%\u0012\u0018h\u0015\u001a\u0002rdq\u001ag\bHc3H\u0010dpcm3W\u0091i\u0019\u007fxd\u0016\u04d4%7XWm\u001eY3\u0007g_e\u055dAWIVV7@Z;1W\t\u001fh6\u000eV7''(O_+3oJ\u001ft;\u001f+vr\u0012eg_;'}}\t5\u007fL5N\u001fdr\b\u0015\b7\u0005\u001as|}\u0605N(&K\u0007e'xey<:#c\u0334{\u001726-m5wh($'\u000fSe\u001bS3z\u0311\u0266\u000b);(b_B)\u0007M\u07e4N37}\u007fb!"], "prev_response": null}, "rets": "The plan that would solve this problem is a portable medical benefits plan.", "error": null, "perf": {"start_time": "2024-02-15T15:33:42.317984", "end_time": "2024-02-15T15:33:43.056739"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "When an employee leaves his current company, medical benefits provided by his employer will automatically be terminated. Which of the following plans purchased by the employer will solve this problem?", "text_chunks": ["file_path: ../raw_documents/qna.txt\n\nChapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. 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"2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "629073f2-f1c1-475b-95c7-ad6c4f07ed4a", "node_type": "4", "metadata": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "hash": "f05d3d6f77a4be7efa5dba217d0d700638458da45bce9e096d167e0146509707"}, "2": {"node_id": "236c0a98-d4b2-402c-9499-2b7e6f3539b4", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI Chapter Summary Version 1.3.pdf", "file_name": "HI Chapter Summary Version 1.3.pdf", "file_type": "application/pdf", "file_size": 811447, "creation_date": "2024-01-02", "last_modified_date": "2018-05-07", "last_accessed_date": "2024-02-14"}, "hash": "0629fbe2571f14b5360ae301464f4c500f9f93dc9f7f93500b2b7c87899ec03b"}}, "hash": "acea7c2bbc7833d59e7f524380fd4149c4422c0741576974205bda8de020a951", "text": "Chapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. 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To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. The premium payable is $584.44.", "start_char_idx": 0, "end_char_idx": 2126, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.2599499530419096}, {"node": {"id_": "92e2b95f-ec64-4b0e-ae30-60713643a759", "embedding": null, "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d84b2bb6-6536-4908-8ae3-5bad7c58a777", "node_type": "4", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "cc28b9eb1c45adb59515b6874c29da928a5add732e947539fb07ef83fb73efac"}, "2": {"node_id": "9eb2ca8d-bdc7-4c27-a7bb-b93178003332", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "1359f0cce43a11da305ea37083342f7532cb4f3267258c33aa9deee0c3c75bba"}, "3": {"node_id": "5ff81f9c-2b81-4a03-9a93-a1cfdc9d2ef6", "node_type": "1", "metadata": {}, "hash": "7e809d035a690325f5d562d77bd0391c4c00e8262dd75c5b4061b7447040131c"}}, "hash": "1ec5a4bab924123b31dee0273a67a2e10e14d81e92c59a619257e9bbc5255d0a", "text": "; 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Which of the following plans purchased by the employer will solve this problem?"}, "rets": {"response": "The plan that would solve this problem is a portable medical benefits plan.", "source_nodes": [{"node": {"id_": "46711a82-bc43-46ab-94e8-06b5265dff3c", "embedding": null, "metadata": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "629073f2-f1c1-475b-95c7-ad6c4f07ed4a", "node_type": "4", "metadata": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "hash": "f05d3d6f77a4be7efa5dba217d0d700638458da45bce9e096d167e0146509707"}, "2": {"node_id": "236c0a98-d4b2-402c-9499-2b7e6f3539b4", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI Chapter Summary Version 1.3.pdf", "file_name": "HI Chapter Summary Version 1.3.pdf", "file_type": "application/pdf", "file_size": 811447, "creation_date": "2024-01-02", "last_modified_date": "2018-05-07", "last_accessed_date": "2024-02-14"}, "hash": "0629fbe2571f14b5360ae301464f4c500f9f93dc9f7f93500b2b7c87899ec03b"}}, "hash": "acea7c2bbc7833d59e7f524380fd4149c4422c0741576974205bda8de020a951", "text": "Chapter 1 - 2\nQuestion: Which is not a government healthcare philosophy? \nA. To nurture a healthy nation by promoting good health.\nB. To rely on competition to improve service and raise efficiency\nC. To intervene directly whenever necessary\nD. To provide for the care of employees\nAnswer: D. To provide for the care of employees.\n\nChapter 1 - 5.2\nQuestion: Which of the following is TRUE on the similarity of Means Testing and Casemix?\nA. Both are financing mechanism.\nB. Both are cost allocation mechanism.\nC. Both are subsidies given by the government.\nD. Both uses gross income of the patient to determine subsidy\nAnswer: C. Both are subsidies given by the government.\n\nC2/2.1.1(i)\nQuestion: Under Medical Expense Insurance, what is not included in Inpatient Expenses?\nA. Daily Room and Board Charges\nB. Emergency Accidental Treatment Charges\nC. Surgeon\u2019s Fees\nD. Congenital Anomalies\nAnswer: B. Emergency Accidental Treatment Charges is not included in Inpatient Expenses.\n\nC2/2.1.1(iii)\nQuestion: Which of the following is covered under catastrophic outpatient expenses in Medical Expense\nInsurance Policy?\nA. Outpatient liver treatment charges\nB. Outpatient kidney treatment charges\nC. Outpatient Hepatitis B Vaccination\nD. Outpatient assisted conception procedures\nAnswer: B. Outpatient kidney treatment charges.\n\nC2/2.2.3\nQuestion: Miscarriage Benefit in a Medical Expense Policy provides for:\nA. The reimbursement of expenses in a willful termination to a pregnancy.\nB. The reimbursement of Assisted Conception Procedure treatments.\nC. The reimbursement of charges incurred for the consultation of a specialist within a number of days before termination.\nD. The reimbursement of medical expenses in an ectopic pregnancy\nAnswer: D. The reimbursement of medical expenses in an ectopic pregnancy.\n\nC2/3.3\nQuestion: Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each. \nWhat is the premium payable given the following?\nMr. Ang\u2019s premium $182.31\nMrs. Ang\u2019s premium $227.89\n1 child\u2019s premium $102.50\nA. $512.70\nB. $584.44\nC. $615.20\nD. $487\nAnswer: B. The premium payable is $584.44.", "start_char_idx": 0, "end_char_idx": 2126, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.2599499530419096}, {"node": {"id_": "92e2b95f-ec64-4b0e-ae30-60713643a759", "embedding": null, "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d84b2bb6-6536-4908-8ae3-5bad7c58a777", "node_type": "4", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "cc28b9eb1c45adb59515b6874c29da928a5add732e947539fb07ef83fb73efac"}, "2": {"node_id": "9eb2ca8d-bdc7-4c27-a7bb-b93178003332", "node_type": "1", "metadata": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}, "hash": "1359f0cce43a11da305ea37083342f7532cb4f3267258c33aa9deee0c3c75bba"}, "3": {"node_id": "5ff81f9c-2b81-4a03-9a93-a1cfdc9d2ef6", "node_type": "1", "metadata": {}, "hash": "7e809d035a690325f5d562d77bd0391c4c00e8262dd75c5b4061b7447040131c"}}, "hash": "1ec5a4bab924123b31dee0273a67a2e10e14d81e92c59a619257e9bbc5255d0a", "text": "; +|}#\"\u0012R0\u001fV(( HV8\u0013\u0012L3\u0012\u0002!N\u0006\u04768\u0555\b \u0017W\u03b3\u0005z\u0017j\u0784\u001aV8J1)\u007fz\u03df\u007fl\u001a;\"et\u02b4\u0007+5\u05cdxUF\u0243W\u06fcAlh_*l}Ue\")<4X\n\nEP\u00186yF@t~)UyI\u0010\ub8f4P}b*G~\u049231\"\u0327W;?=l2u\f.J_\u0013W\u000f*9{\u001b\u0019c&\u001bERRn(G\n\b\u0006\u0005\u0005zG&\b\n\u000bt\u039b M\u001cGh0)\u0118=A8\\\u007f\n&\b8>XWXcvfiiqnJ\u4658\u0017\u0007DzgV)+\u001f|\u02f5m/ku\u001a\u0007\u000b'~\u000e\u031dp\u0016T\u0003\u0006mBWj|-Xcf3P\\$2U\u0005;>k?ld\u001dd;+\u001fZ\u0014\u0019E\u001f\u0004\u000eg\"#&a\ud88a\ude6d4\u007f!mi\u0402A5\u0363\u001c[x|c\u000e/yc2\u000f6l\u0000b\u0749\u0005Lq[ed\u00053\u0017}\u0019Z.\u01fe%p^3iJic6/56%RA1D+^*>L\u0003,VL-Y\u025b!D\u0011$\u05e0\u00d0(gUN?: &3MIo4\u000b\")Emf9m\u0015'7Ty\u0012F\u001e\u0000k\u001c\u0007a)NR\u0014a\u0013\u0015c\u0007W\u001bK&u1o@LI,AU\u061aKL \u0014K^8xL\u0003u<N\\+@7q%\u0000\u0017\u001ae\u00035\ue63a\u007fNEZ\\NS\u0014b;c?\u077fFyW\u0018.\tT\u0004+,\u000e)X\u0001u[E`%`N\u00c7\u0015\u014er^bJQdle\u0395w0\u0105\u0019ko\u001a\u001aPo.^\u000f\u000bYeQ)Bxh&)\u000bmX\u0106\u0006#GT\u001bw\\)*S?:&3N,$0{rN3b\u001cDbgLt\u001a{\f\u0016@[--]ZZN\n%!J\u0006d*\u001d\u0014\u0012,6$\u00067y\u007fy\u001dT\u000bGACr X\u96d8\u001f\u0019\u0014\u0019\u0014l\u0005Kx\u0017to7\u0019\u0006T!\u0016+7q\ubb84\u0013\u000fOtJ`4F\u0004}R]#b%U\u001dT0n\u001duGRS\u0006\nG~@\u0522dk!?\u000f\tJ*:sE!I\u0019s\u001d7d\u00e4T_IK\u0633\u000b1)V//3\u007f\u001bL[?OS\u000e4<\u012b8\u001c\u007fk\u001d/\u06adf/ST.wf)9\\R\u0012R8fV\u000e-6\u05de~F7\u007f1\u0002\u051a7]\ucad9\u0179%\u0012\u0018h\u0015\u001a\u0002rdq\u001ag\bHc3H\u0010dpcm3W\u0091i\u0019\u007fxd\u0016\u04d4%7XWm\u001eY3\u0007g_e\u055dAWIVV7@Z;1W\t\u001fh6\u000eV7''(O_+3oJ\u001ft;\u001f+vr\u0012eg_;'}}\t5\u007fL5N\u001fdr\b\u0015\b7\u0005\u001as|}\u0605N(&K\u0007e'xey<:#c\u0334{\u001726-m5wh($'\u000fSe\u001bS3z\u0311\u0266\u000b);(b_B)\u0007M\u07e4N37}\u007fb!", "start_char_idx": 773637, "end_char_idx": 774476, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.2565507112256344}], "metadata": {"46711a82-bc43-46ab-94e8-06b5265dff3c": {"file_path": "../raw_documents/qna.txt", "file_name": "qna.txt", "file_type": "text/plain", "file_size": 2134, "creation_date": "2024-02-13", "last_modified_date": "2024-02-13", "last_accessed_date": "2024-02-13"}, "92e2b95f-ec64-4b0e-ae30-60713643a759": {"file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_name": "HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-02-13"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:42.109776", "end_time": "2024-02-15T15:33:43.060763"}, "pid": 97011, "tid": 2590337}]}

cost_json:
  {"n_requests": 1, "n_successful_requests": 1, "n_classes": 0, "n_tokens": 1453, "n_stream_chunks": 0, "n_prompt_tokens": 1439, "n_completion_tokens": 14, "cost": 0.0014670000000000002}


record_id: record_hash_6d1efc6fc1508d6951cdaa16e7d7d131
app_id: Direct Query Engine
tags: -
perf_json: {"start_time": "2024-02-15T15:33:43.151745", "end_time": "2024-02-15T15:33:44.544763"}
input:
  "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years"

output:
  "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit."

record_json:
  {"record_id": "record_hash_6d1efc6fc1508d6951cdaa16e7d7d131", "app_id": "Direct Query Engine", "cost": {"n_requests": 1, "n_successful_requests": 1, "n_classes": 0, "n_tokens": 1399, "n_stream_chunks": 0, "n_prompt_tokens": 1338, "n_completion_tokens": 61, "cost": 0.0014600000000000001}, "perf": {"start_time": "2024-02-15T15:33:43.151745", "end_time": "2024-02-15T15:33:44.544763"}, "ts": "2024-02-15T15:33:44.545568", "tags": "-", "meta": null, "main_input": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "main_output": "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit.", "main_error": null, "calls": [{"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}, {"path": "app.retriever", "method": {"obj": {"cls": {"name": "VectorIndexRetriever", "module": {"package_name": "llama_index.indices.vector_store.retrievers", "module_name": "llama_index.indices.vector_store.retrievers.retriever"}, "bases": null}, "id": 11246087376, "init_bindings": null}, "name": "retrieve"}}, {"path": "app.retriever._index.vector_store", "method": {"obj": {"cls": {"name": "ChromaVectorStore", "module": {"package_name": "llama_index.vector_stores", "module_name": "llama_index.vector_stores.chroma"}, "bases": null}, "id": 6431234176, "init_bindings": null}, "name": "query"}}], "args": {"query": {"query_embedding": [-0.026545332744717598, 0.002662551822140813, 0.05627365782856941, -0.021502109244465828, -0.01594729721546173, 0.020333239808678627, 0.05913582071661949, -0.02431182563304901, -0.005539068020880222, -0.016793442890048027, 0.04285542666912079, 0.029801838099956512, 0.022715212777256966, -0.004567438270896673, 0.058407992124557495, 0.037389691919088364, 0.006509229075163603, 0.08029785752296448, -0.06764305382966995, 0.06205335631966591, 0.12413905560970306, -0.1048402339220047, -0.05938730016350746, 0.05254413187503815, 0.02402411587536335, 0.07048032432794571, 0.015357858501374722, 0.01826043426990509, -0.02053712122142315, 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Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "output_fields": null, "embedding_field": null, "mode": "default", "alpha": null, "filters": null, "mmr_threshold": null, "sparse_top_k": null}}, "rets": {"nodes": [{"id_": "562b5546-c660-4400-b44c-bfe7ca865dba", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}], "similarities": [0.5144151227876845, 0.5144151227876845], "ids": ["562b5546-c660-4400-b44c-bfe7ca865dba", "ba61f868-64fc-485f-8e1f-6808f6bccc74"]}, "error": null, "perf": {"start_time": "2024-02-15T15:33:43.304866", "end_time": "2024-02-15T15:33:43.323542"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}, {"path": "app.retriever", "method": {"obj": {"cls": {"name": "VectorIndexRetriever", "module": {"package_name": "llama_index.indices.vector_store.retrievers", "module_name": "llama_index.indices.vector_store.retrievers.retriever"}, "bases": null}, "id": 11246087376, "init_bindings": null}, "name": "retrieve"}}], "args": {"str_or_query_bundle": {"query_str": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.026545332744717598, 0.002662551822140813, 0.05627365782856941, -0.021502109244465828, -0.01594729721546173, 0.020333239808678627, 0.05913582071661949, -0.02431182563304901, -0.005539068020880222, -0.016793442890048027, 0.04285542666912079, 0.029801838099956512, 0.022715212777256966, -0.004567438270896673, 0.058407992124557495, 0.037389691919088364, 0.006509229075163603, 0.08029785752296448, -0.06764305382966995, 0.06205335631966591, 0.12413905560970306, -0.1048402339220047, -0.05938730016350746, 0.05254413187503815, 0.02402411587536335, 0.07048032432794571, 0.015357858501374722, 0.01826043426990509, -0.02053712122142315, -0.08279974013566971, 0.005642138887196779, -0.04200178012251854, 0.04014017805457115, -0.03971493989229202, -0.008654924109578133, 0.01146798487752676, 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"creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}, {"node": {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}], "error": null, "perf": {"start_time": "2024-02-15T15:33:43.201654", "end_time": "2024-02-15T15:33:43.324592"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}], "args": {"query_bundle": {"query_str": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.026545332744717598, 0.002662551822140813, 0.05627365782856941, -0.021502109244465828, -0.01594729721546173, 0.020333239808678627, 0.05913582071661949, -0.02431182563304901, -0.005539068020880222, -0.016793442890048027, 0.04285542666912079, 0.029801838099956512, 0.022715212777256966, -0.004567438270896673, 0.058407992124557495, 0.037389691919088364, 0.006509229075163603, 0.08029785752296448, -0.06764305382966995, 0.06205335631966591, 0.12413905560970306, -0.1048402339220047, -0.05938730016350746, 0.05254413187503815, 0.02402411587536335, 0.07048032432794571, 0.015357858501374722, 0.01826043426990509, -0.02053712122142315, -0.08279974013566971, 0.005642138887196779, -0.04200178012251854, 0.04014017805457115, -0.03971493989229202, -0.008654924109578133, 0.01146798487752676, 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-0.010924667119979858, -0.04687729477882385, 0.0006922204047441483, 0.016093825921416283, -0.008115667849779129, -0.014042362570762634, 0.03814931586384773, -0.04813118278980255, -0.010996232740581036, -0.03151540830731392, 0.010983622632920742, -0.0014532022178173065, -0.016157373785972595, -0.2646803557872772, 0.004048543516546488, -0.09841196238994598, 0.00016678798419889063, 0.046413909643888474, -0.041198134422302246, 0.04843004792928696, -0.002381341066211462, -0.029238400980830193, 0.030382579192519188, 0.05221138149499893, 0.07535906136035919, -0.03243803232908249, -0.07169999182224274, 0.10347496718168259, -0.09060436487197876, 0.01861572079360485, 0.008853811770677567, -0.010680691339075565, 0.015002844855189323, 0.04402902349829674, 0.03351738303899765, 0.0754680335521698, -0.049199726432561874, -0.022156257182359695, -0.035047635436058044, 0.0021283773239701986, 0.03385592997074127, 0.014653419144451618, -0.0427316352725029, -0.01719355769455433, -0.0072277607396245, -0.00604389188811183, -0.026412824168801308, -0.02036363072693348, -0.01952517405152321, 0.06362947076559067, 0.048752568662166595, 0.011465977877378464, -0.001976831117644906, 0.06650974601507187, -0.029467638581991196, -0.01148873008787632, 0.05735795944929123, 0.12856659293174744, 0.0347156897187233, 0.04743507504463196, -0.06004681438207626, -0.019963324069976807, 0.039976347237825394, -0.06199541315436363, 0.0045290119014680386, -0.007584033068269491, 0.02674943581223488, 0.04158493131399155, 0.041078221052885056, -0.08829081803560257, 0.05096504092216492, -0.006793097127228975, -0.1266041100025177, -0.07175949215888977, -0.05928473547101021, -0.013868383131921291, -0.018843261525034904, 0.024975989013910294]}}, "rets": [{"node": {"id_": "562b5546-c660-4400-b44c-bfe7ca865dba", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}, {"node": {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}], "error": null, "perf": {"start_time": "2024-02-15T15:33:43.185032", "end_time": "2024-02-15T15:33:43.325603"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "text_chunks": ["page_label: 87\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.\n\npage_label: 87\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide."], "prev_response": null}, "rets": "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit.", "error": null, "perf": {"start_time": "2024-02-15T15:33:43.363427", "end_time": "2024-02-15T15:33:44.541376"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "text_chunks": ["page_label: 87\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "page_label: 87\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide."]}, "rets": "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit.", "error": null, "perf": {"start_time": "2024-02-15T15:33:43.344426", "end_time": "2024-02-15T15:33:44.541527"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}], "args": {"query": {"query_str": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.026545332744717598, 0.002662551822140813, 0.05627365782856941, -0.021502109244465828, -0.01594729721546173, 0.020333239808678627, 0.05913582071661949, -0.02431182563304901, -0.005539068020880222, -0.016793442890048027, 0.04285542666912079, 0.029801838099956512, 0.022715212777256966, -0.004567438270896673, 0.058407992124557495, 0.037389691919088364, 0.006509229075163603, 0.08029785752296448, -0.06764305382966995, 0.06205335631966591, 0.12413905560970306, -0.1048402339220047, -0.05938730016350746, 0.05254413187503815, 0.02402411587536335, 0.07048032432794571, 0.015357858501374722, 0.01826043426990509, -0.02053712122142315, -0.08279974013566971, 0.005642138887196779, -0.04200178012251854, 0.04014017805457115, -0.03971493989229202, -0.008654924109578133, 0.01146798487752676, 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"creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}, {"node": {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}]}, "rets": {"response": "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit.", "source_nodes": [{"node": {"id_": "562b5546-c660-4400-b44c-bfe7ca865dba", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}, {"node": {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}], "metadata": {"562b5546-c660-4400-b44c-bfe7ca865dba": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "ba61f868-64fc-485f-8e1f-6808f6bccc74": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:43.326992", "end_time": "2024-02-15T15:33:44.541636"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "Compute Disability Income Benefit. Given the following details:\\nEscalation Benefit : 3%\\nMonthly Income : $5000\\nMonthly Expense : $3000\\nNo of years : 30 years"}, "rets": {"response": "The Disability Income Benefit can be computed using the provided details. However, the computation requires additional information such as the specific terms of the insurance policy, including the benefit percentage and any applicable ceilings on the income to be covered. Without this specific information, it is not possible to accurately compute the Disability Income Benefit.", "source_nodes": [{"node": {"id_": "562b5546-c660-4400-b44c-bfe7ca865dba", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53a5e9a1-39db-4949-afbd-29cc214d9717", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "ad420421-caf7-4fb8-8700-6b884c7d1e43", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "21a48bc74ca11151283ba47cbaf6a097848d1eb9226df806d6dea99f87b1904f"}, "3": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}, {"node": {"id_": "ba61f868-64fc-485f-8e1f-6808f6bccc74", "embedding": null, "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eae07843-00cc-43d1-8197-aca880f98bf6", "node_type": "4", "metadata": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "4bbf4bf5568c2748e6714ed1dead78c602355241613869b8b301aed9f0d909c5"}, "2": {"node_id": "93831a64-61e1-4d16-8dc2-0070b997e318", "node_type": "1", "metadata": {"page_label": "86", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "ac4d02111ace06adaf06b0a9ee3630d60412cd9d9263a8649beb105b2c8cab69"}, "3": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}}, "hash": "3d0bd5db05bd6cb2487ba864648990a9fdf675c3e6c20905776c4ae3ee185376", "text": "Health Insurance   \n70 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] Insurers will allow the benefit amount to cover only up to 75% of the insured\u2019s \naverage income over the past 12 months immediately prior to his disability. \nMost insurers also impose a ceiling on the income to be covered (e.g. \nS$15,000). Some insurers grant a lower percentage for the self -employed, e.g. \n60% of the past 12 months\u2019 income. The purpose of replacing only a certain \npercentage of the insured\u2019s income is to ensure that the insured will not be \nbetter off financially from the benefit which he receives  under his Disability \nIncome Insurance policy, so that he will have the incentive to go back to work.  \n \nDetails of his policy  are as follows : \n \nMale, Age Next Birthday  30 years old  \nMonthly Income  S$5,000  \nMonthly Benefit  S$3,750 (75% of his monthly income \nbeing the maximum amount  as \nallowed by Alpha Insurance \nCompany and assuming  that he has \nno other disability benefits).  \nEscalation Benefit  5% per year  \nBenefit Period  Up to  the age of 65 years  next \nbirthday  \nDeferred /Elimination  Period  6 months  \nAnnual Premium  S$599.10  \n \n \n \n4.2 If Andrew  becomes disabled ( must meet the definition of \u201cdisability\u201d as \nspecified in the policy) and is out of work four and a half years after the policy \ncommences, he will receive the benefit amount every month from the insurer \nafter the Deferred /Elimination  Period , as long as he is unable to work. Should  \nhe be disabled  throughout the Benefit Period  (30 years) , he would  receive a total \nof S$2,989, 746 (S$3,750 x 12 x 66.4 388\uf02a), although he would have paid only five \nyears of premiums amounting to S$2,995.50 ( S$599.10 x 5). Premiums are \nwaived upon disability.  \n \n4.3 Now that you have seen how a Disability Income Insurance policy works, we \nwill look at the definitions of the various terms used in Example 4.1 , including \nthe term \u201cdisability\u201d.  \n \n \n \n \n \n \n \n \n \n \n\uf02a  66.4388 is the future value annuity interest factor derived from the formula [(1+i)n-1]/i (where i = \nescalation benefit,  n = number of years). Alternatively, you may refer to Table A1  on Future Value Of \nAnnuity  Factors at the back of this Study Guide.", "start_char_idx": 0, "end_char_idx": 2249, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.5144151227876845}], "metadata": {"562b5546-c660-4400-b44c-bfe7ca865dba": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "ba61f868-64fc-485f-8e1f-6808f6bccc74": {"page_label": "87", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:43.151745", "end_time": "2024-02-15T15:33:44.544763"}, "pid": 97011, "tid": 2590337}]}

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"file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6edb2f70-6474-4df9-a259-ff4ee8f8c032", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}, "3": {"node_id": "9e4520e4-7d65-4301-99ba-afb503723e19", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). 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"660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}, {"node": {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}], "error": null, "perf": {"start_time": "2024-02-15T15:33:44.720728", "end_time": "2024-02-15T15:33:44.834464"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}], "args": {"query_bundle": 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"../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6edb2f70-6474-4df9-a259-ff4ee8f8c032", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}, "3": {"node_id": "9e4520e4-7d65-4301-99ba-afb503723e19", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}, {"node": {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}], "error": null, "perf": {"start_time": "2024-02-15T15:33:44.703906", "end_time": "2024-02-15T15:33:44.835460"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "\\\u201cThe insured\u2019s inability to perform any gainful occupation or a similar occupation for which he is reasonably suited by reason of education, training or experience\\\u201d refers to: ", "text_chunks": ["page_label: 89\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.\n\npage_label: 89\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled."], "prev_response": null}, "rets": "Total Disability", "error": null, "perf": {"start_time": "2024-02-15T15:33:44.877819", "end_time": "2024-02-15T15:33:45.398187"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "\\\u201cThe insured\u2019s inability to perform any gainful occupation or a similar occupation for which he is reasonably suited by reason of education, training or experience\\\u201d refers to: ", "text_chunks": ["page_label: 89\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "page_label: 89\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\nHealth Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled."]}, "rets": "Total Disability", "error": null, "perf": {"start_time": "2024-02-15T15:33:44.854700", "end_time": "2024-02-15T15:33:45.398254"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}], "args": {"query": {"query_str": "\\\u201cThe insured\u2019s inability to perform any gainful occupation or a similar occupation for which he is reasonably 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"last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6edb2f70-6474-4df9-a259-ff4ee8f8c032", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}, "3": {"node_id": "9e4520e4-7d65-4301-99ba-afb503723e19", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}, {"node": {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}]}, "rets": {"response": "Total Disability", "source_nodes": [{"node": {"id_": "714799ab-8074-4be9-8eef-0d166902dda7", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6edb2f70-6474-4df9-a259-ff4ee8f8c032", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}, "3": {"node_id": "9e4520e4-7d65-4301-99ba-afb503723e19", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}, {"node": {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}], "metadata": {"714799ab-8074-4be9-8eef-0d166902dda7": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:44.837016", "end_time": "2024-02-15T15:33:45.398304"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "\\\u201cThe insured\u2019s inability to perform any gainful occupation or a similar occupation for which he is reasonably suited by reason of education, training or experience\\\u201d refers to: "}, "rets": {"response": "Total Disability", "source_nodes": [{"node": {"id_": "714799ab-8074-4be9-8eef-0d166902dda7", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6edb2f70-6474-4df9-a259-ff4ee8f8c032", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "3a51a585-d9a6-4190-a6f3-4c40bdc205b0", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "92564f7d4a154f3fca743895357723ec1c1b1e13e51d62064a53a5522674e247"}, "3": {"node_id": "9e4520e4-7d65-4301-99ba-afb503723e19", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}, {"node": {"id_": "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693", "embedding": null, "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3e9a81b4-8ef8-4d0c-8f2f-bd50cc7b167a", "node_type": "4", "metadata": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "93c070abe16ba662a26c705c4d6f6ff1844abe844b68bbaa9a1ccac74ac1192c"}, "2": {"node_id": "45cbc132-33fb-43c7-8ba9-5584cc091a78", "node_type": "1", "metadata": {"page_label": "88", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "87fc7cb7fa0f871424e9d08c6d575e63da2d53b83f9b2bfc1691cc293c8fecad"}, "3": {"node_id": "e2e1673b-0369-4dd3-bc10-47a097013511", "node_type": "1", "metadata": {}, "hash": "a9a82cefc6de5b01ece5991af1ab0958930c8f5e7cd4f464ef2c5ead354ebcf3"}}, "hash": "660b19efab7d219ab7dda64fd23b3ae09e5a97f93cd480be9e9c95b7b0f731bc", "text": "Health Insurance   \n72 Copyright reserved by the Singapore College of Insurance Limited [Version 1. 4] A3. Any Occupation  \n \n5.8 This is a more  restrictive definition of Total Disability. It means : \n\u201cthe insured\u2019s inability to perform any occupation\u201d  \n \n5.9 Again, consider Penny , the pianist, whose fingers were severed. Under the \nprevious definition, she was totally disabled because she was unable to perform \nthe duties of her own occupation. However , suppose that she is able to teach, \ni.e. prepare students for the piano theory examination. Under \u201cAny \nOccupation\u201d definition, she will no longer be considered as being totally \ndisabled.  \n \n5.10 Note that the above examples show  just how the term \u201c Total Disability\u201d may \nbe defined. The wording used may vary from insurer  to insurer , and there are \nmany hybrids in the insurance market , which may not be easy to classify. \nTherefore, it  is important that you find out the exact definition as used by your \ninsurer  and be able to explain it clearly to your prospective clients.  \n \nA4. Severe Disability  \n \n5.11 This definition follows the Long-Term Care Insurance definition where the \ninsured is unable to perform at least three  of the six Activities of Daily Living  \n(ADLs)  \u2013 washing, dressing, feeding, toileting, mobility, and transferring.  \n \n5.12 The insurer uses this definition when the insured\u2019s disability occurred during a \nnon-working period (a period of time in -between jobs , where the insured is still \ncovered under the plan). When a disability occurs during the non -working \nperiod , the benefit amount will not be based on the last drawn salary , but will  \nusually be pre-determined  (e.g. S$500 a month)  and stated in the policy by the \ninsurer.  \n \nB. Partial Disability  \n \n5.13 This is when the insured recover s from a total disability to perform some major \nduties of his occupation , but at a salary which is at least 25% lower than the pre-\ndisability salary.  For example, Walter was paid S$2,500 a month as a warehouse \nworker. His work involved moving materials both  with a mechanical forklift and \nby hand.  \n \n5.14 After an accident, Walter\u2019s spine was injured resulting in him having weak \nhands. Since then, he could  operate only the forklift, but was not able to move \nthe materials using his hands. As such, he was given a low er pay of S$1,800 \n(S$1,800 \uf0b8 S$2,500 x 100 =  72% i.e. 28% less than his original pay). In th at \ninstance, Walter was considered to be partially disabled.", "start_char_idx": 0, "end_char_idx": 2502, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.44111670483343535}], "metadata": {"714799ab-8074-4be9-8eef-0d166902dda7": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "141dd8f6-7527-4ffe-bdc3-eb9e8e5b6693": {"page_label": "89", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:44.621054", "end_time": "2024-02-15T15:33:45.399931"}, "pid": 97011, "tid": 2590337}]}

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input:
  "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?"

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After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "output_fields": null, "embedding_field": null, "mode": "default", "alpha": null, "filters": null, "mmr_threshold": null, "sparse_top_k": null}}, "rets": {"nodes": [{"id_": "1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}], "similarities": [0.4812783560206716, 0.4812783560206716], "ids": ["1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b", "864b906e-6352-4bfb-81c7-8663cbc2e843"]}, "error": null, "perf": {"start_time": "2024-02-15T15:33:45.714767", "end_time": "2024-02-15T15:33:45.733618"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}, {"path": "app.retriever", "method": {"obj": {"cls": {"name": "VectorIndexRetriever", "module": {"package_name": "llama_index.indices.vector_store.retrievers", "module_name": "llama_index.indices.vector_store.retrievers.retriever"}, "bases": null}, "id": 11246087376, "init_bindings": null}, "name": "retrieve"}}], "args": {"str_or_query_bundle": {"query_str": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.01323692500591278, 0.04712584614753723, 0.07918493449687958, -0.03812772408127785, -0.040017060935497284, 0.0018599187023937702, 0.1134202852845192, -0.008064666762948036, -0.006041383370757103, -0.02935546077787876, 0.027932800352573395, 0.028146719560027122, 0.02928207255899906, 0.05375606566667557, 0.005974804516881704, -0.03911223262548447, -0.024090051651000977, 0.0032099327072501183, -0.05896180868148804, 0.026860909536480904, 0.0699314996600151, -0.041629940271377563, -0.07368024438619614, -0.06522428244352341, 0.11998122185468674, 0.008328482508659363, 0.017041418701410294, 0.004946556407958269, 0.018908148631453514, -0.03814574331045151, 0.005524574313312769, -0.023456286638975143, 0.023786520585417747, -0.028366755694150925, 0.05296969413757324, -0.058688756078481674, -0.0448768176138401, -0.004324857611209154, -0.022225957363843918, 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"excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}, {"node": {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}], "error": null, "perf": {"start_time": "2024-02-15T15:33:45.611853", "end_time": "2024-02-15T15:33:45.734614"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "retrieve"}}], "args": {"query_bundle": {"query_str": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.01323692500591278, 0.04712584614753723, 0.07918493449687958, -0.03812772408127785, -0.040017060935497284, 0.0018599187023937702, 0.1134202852845192, -0.008064666762948036, -0.006041383370757103, -0.02935546077787876, 0.027932800352573395, 0.028146719560027122, 0.02928207255899906, 0.05375606566667557, 0.005974804516881704, -0.03911223262548447, -0.024090051651000977, 0.0032099327072501183, -0.05896180868148804, 0.026860909536480904, 0.0699314996600151, -0.041629940271377563, -0.07368024438619614, -0.06522428244352341, 0.11998122185468674, 0.008328482508659363, 0.017041418701410294, 0.004946556407958269, 0.018908148631453514, -0.03814574331045151, 0.005524574313312769, -0.023456286638975143, 0.023786520585417747, -0.028366755694150925, 0.05296969413757324, -0.058688756078481674, -0.0448768176138401, -0.004324857611209154, -0.022225957363843918, 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"excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}, {"node": {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}], "error": null, "perf": {"start_time": "2024-02-15T15:33:45.491244", "end_time": "2024-02-15T15:33:45.735623"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "Refine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "text_chunks": ["page_label: 94\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth\n\npage_label: 94\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth"], "prev_response": null}, "rets": "Mr Tan's disability income benefit would be $2,700.", "error": null, "perf": {"start_time": "2024-02-15T15:33:45.774376", "end_time": "2024-02-15T15:33:46.430821"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "get_response"}}], "args": {"query_str": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "text_chunks": ["page_label: 94\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "page_label: 94\nfile_path: ../raw_documents/HI_Knowledge_Base.pdf\n\n4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth"]}, "rets": "Mr Tan's disability income benefit would be $2,700.", "error": null, "perf": {"start_time": "2024-02-15T15:33:45.754433", "end_time": "2024-02-15T15:33:46.430962"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}, {"path": "app._response_synthesizer", "method": {"obj": {"cls": {"name": "CompactAndRefine", "module": {"package_name": "llama_index.response_synthesizers", "module_name": "llama_index.response_synthesizers.compact_and_refine"}, "bases": null}, "id": 11246087280, "init_bindings": null}, "name": "synthesize"}}], "args": {"query": {"query_str": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?", "image_path": null, "custom_embedding_strs": null, "embedding": [-0.01323692500591278, 0.04712584614753723, 0.07918493449687958, -0.03812772408127785, -0.040017060935497284, 0.0018599187023937702, 0.1134202852845192, -0.008064666762948036, -0.006041383370757103, -0.02935546077787876, 0.027932800352573395, 0.028146719560027122, 0.02928207255899906, 0.05375606566667557, 0.005974804516881704, -0.03911223262548447, -0.024090051651000977, 0.0032099327072501183, -0.05896180868148804, 0.026860909536480904, 0.0699314996600151, -0.041629940271377563, -0.07368024438619614, -0.06522428244352341, 0.11998122185468674, 0.008328482508659363, 0.017041418701410294, 0.004946556407958269, 0.018908148631453514, -0.03814574331045151, 0.005524574313312769, -0.023456286638975143, 0.023786520585417747, -0.028366755694150925, 0.05296969413757324, -0.058688756078481674, -0.0448768176138401, -0.004324857611209154, -0.022225957363843918, 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"excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}, {"node": {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}]}, "rets": {"response": "Mr Tan's disability income benefit would be $2,700.", "source_nodes": [{"node": {"id_": "1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}, {"node": {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}], "metadata": {"1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "864b906e-6352-4bfb-81c7-8663cbc2e843": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:45.737203", "end_time": "2024-02-15T15:33:46.431075"}, "pid": 97011, "tid": 2590337}, {"stack": [{"path": "app", "method": {"obj": {"cls": {"name": "RetrieverQueryEngine", "module": {"package_name": "llama_index.query_engine", "module_name": "llama_index.query_engine.retriever_query_engine"}, "bases": null}, "id": 11246087328, "init_bindings": null}, "name": "query"}}], "args": {"str_or_query_bundle": "Mr Tan, who is an accountant, used to earn $4,000 per month before he was disabled. After partial recovery from his disability, he found a suitable job as a clerk, which pays him $1,500 per month. What would Mr Tan\u2019s disability income benefit be?"}, "rets": {"response": "Mr Tan's disability income benefit would be $2,700.", "source_nodes": [{"node": {"id_": "1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc9c468a-8e8d-42a4-8cdb-ce8188bf4b9f", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "21c7a3c8-411b-409a-8cbe-6268279f8647", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "79a94b798a02e0bec2d05153eb69ae8c7fcea851549616482be6cf8543c74688"}, "3": {"node_id": "f717bb8d-8517-4c22-bc53-0902022829c6", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}, {"node": {"id_": "864b906e-6352-4bfb-81c7-8663cbc2e843", "embedding": null, "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3830727-dd75-4923-8653-b50db7ca74ef", "node_type": "4", "metadata": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "d0051cb43512903ae11c8db7297f286ff6b98ad16edcebf4532e9dc881383750"}, "2": {"node_id": "8bd2ff82-22b8-4b34-9679-5a354dd55315", "node_type": "1", "metadata": {"page_label": "93", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "hash": "a300a260e5bb16136274fca2228f440a49a16024f96031ac97ae83b85b6ba0ab"}, "3": {"node_id": "fa94e023-c8b1-49d2-aaa2-0db1c09f93a7", "node_type": "1", "metadata": {}, "hash": "1262d5467f8c415dd232921da46211cd90da8122e37aba3fc4225bcc0fc0f7f7"}}, "hash": "4921864d837dc259755a92f4d95174d9babd54718f96d51873cd76328714697e", "text": "4. Disability Income Insurance  \nCopyright reserved by the Singapore College of Insurance Limited [Version 1. 4]                                   77  \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n Example 4.3: Illustration Of The Working Of The Escalation Benefit  \n \nEddy, an engineer, became disabled on 30 June 2018. He was insured for \nS$6,000 (75% of his monthly salary of S$8,000) and had opted for a 3% per \nannum escalation benefit and a 6 -month deferred period.  \n \nThe events following his disablement were as follows:  \n \nDate  Event  \n1-1-2019  Insurer made the first monthly payment of S$6,000  \n1-2-2019  Insurer made the second monthly payment of S$6,000  \n \n \n \n \n \n \n \n \n \n \n1-1-2020  Insurer paid S$6,180 [(S$6,000 + S$6,000 x 3% (escalation \nbenefit)]  \n1-2-2020  Eddy had since found a job as a clerk which paid him S$2,000 \na month. The insurer paid him a partial disability benefit of \nS$4,635 derived as follows:  \n \n Pre-Disability Earnings \u2013 Present Earnings  X Disability  \nBenefit   Pre-Disability Earnings  \n   \n= S$(8,000 \u2013 2,000)  X   S$6,180  S$8,000  \n= S$4,635   \n \n \n \nEddy will continue to receive the Disability Income benefit until he dies or \nwhen the benefit period expires, depending on which is earlier.  \nEddy continued  \n \nto be disabled  \nInsurer continued to  \n \npay S$6,000 each \nmonth", "start_char_idx": 0, "end_char_idx": 1388, "text_template": "{metadata_str}\n\n{content}", "metadata_template": "{key}: {value}", "metadata_seperator": "\n"}, "score": 0.4812783560206716}], "metadata": {"1ebd304e-2ce4-4867-a1e9-7e7aa0adfb7b": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}, "864b906e-6352-4bfb-81c7-8663cbc2e843": {"page_label": "94", "file_name": "HI_Knowledge_Base.pdf", "file_path": "../raw_documents/HI_Knowledge_Base.pdf", "file_type": "application/pdf", "file_size": 9816809, "creation_date": "2024-01-03", "last_modified_date": "2023-12-13", "last_accessed_date": "2024-01-29"}}}, "error": null, "perf": {"start_time": "2024-02-15T15:33:45.429784", "end_time": "2024-02-15T15:33:46.434136"}, "pid": 97011, "tid": 2590337}]}

cost_json:
  {"n_requests": 1, "n_successful_requests": 1, "n_classes": 0, "n_tokens": 1023, "n_stream_chunks": 0, "n_prompt_tokens": 1010, "n_completion_tokens": 13, "cost": 0.001036}


