International High-Limit Temporary & Permanent Disability Insurance
Don’t Let a Disability Affect Your Standard of Living Abroad
Clements Worldwide's expat disability insurance allows individuals and their families to maintain their standard of living if injury or illness gets in the way of work.
Dealing with a sudden disability overseas can be costly. One in four of today’s professional expatriates will become disabled before reaching age 67. 69% of the private sector workforce has no long-term or permanent disability insurance* and older professionals may not be sufficiently covered by standard employer-provided disability policies. These are sobering statistics. But you don’t need to be one of them.
Get an instant disability insurance quote
Clements offers high-limit disability insurance for professionals to cover loss of income should you become disabled either temporarily or permanently. Clements International High-Limit Temporary and Permanent Disability Insurance will keep you protected against disability costs anywhere in the world. Clements offers this coverage in high-risk locations many of our competitors exclude and there are no exclusions for war and terrorism.
Temporary Total Disability benefits are paid monthly for up to 120 consecutive months up to USD 20,000 per month or 60% of your current monthly salary, whichever is lower with benefit periods up to 10 years. And you can choose a waiting period of minimum 1 year to over 2 years.
Permanent Total Disability is a lump sum calculated up to 5 times your annual income** and provides coverage if you are unable to work at all. You’ll be paid a lump sum up to $500,000 or 5 times your annual salary, whichever is lower.
* Source: U.S. Social Security Administration fact sheet, 2013
**Limits and restrictions apply. Subject to certain country restrictions. See policy terms and conditions.
A disability doesn’t have to impact everything.
Frequently Asked Questions
Disability insurance protects individuals who are no longer able to work from loss of income.
Temporary Total Disability insurance (TTD) is a plan that allows the insured who becomes disabled due to injury or illness to receive up to 60% of their income. This is up to USD 20,000 per month for up to 120 months, on a tax-free basis.
Permanent Total Disability (PTD) insurance provides a maximum of 5 times annual salary or USD 750,000 -- whichever is lower. Permanent disability is for individuals who will never be able to do work of any kind due to injury or illness.
Anyone who works can qualify for disability insurance. Age limits apply.
TTD can be purchased up to age 64. Benefit periods decrease after age 60, with the maximum benefit period at age 63 being 12 months.
PTD is available to individuals under 62 years of age. The policy covers disabled individuals due to injury or illness.
Benefits are calculated based on gross monthly income. You can choose coverage period and waiting period based on disability insurance needs.
Benefits are paid directly into the insured’s account. For TTD policies, monthly payments will be issued. For PTD policies, a lump sum payment will be issued. If you have opted for both PTD and TTD benefits, PTD will be paid upon exhaustion of the TTD benefit.
The insured remains eligible to receive disability benefits while working at a different job, as long as it is a different profession than the one listed in the accepted disability insurance application. Moving or a change of address does not affect benefits disbursements so long as bank account information is current.
The benefit period is determined on the type of disability insurance selected. For TTD policies, the benefit period can last up to 120 consecutive months. PTD benefits are paid out as a lump sum.
The insured’s spouse will not receive benefits after the insured’s death. We recommend pairing Disability coverage with Term Life insurance to safeguard your family against this type of situation.
Yes. This time period is referred to as the Elimination Period. The Elimination Period is defined as the time between the moment the insured sustains an eligible disability injury or illness and the time the insured begins to receive benefits. The duration of an Elimination Period is determined by the insurance policy.
Any condition for which a person would have or should have sought treatment in the 30 months prior to the effective date of the policy is excluded.
Visit our Action Center for more information on filing a claim.
Learn your coverage from the charts below.
Permanent Total Disability
Lump sum of USD 500,000 max or 5 times your pre-disability earnings including benefits (whichever is lower).
PTD is available to individuals under age 62 actively at work.
Choose between 12 months - 120 months.
If symptoms were present and/or medical advice or treatment was recommended by or received from a physician or other health care practitioner at any time during the thirty (30) month period preceding the inception date of this policy that condition is not covered.
Injury or illness as a result of drugs or alcohol, criminal acts, military service or active participation in war, nuclear, chemical, biological terrorism are all excluded. Any intentional self-inflicted injury, attempted suicide, mental disorders, or pregnancy are not covered. Riding or driving of any kind of race or endurance test or traveling in aircraft for any purpose other than transportation is excluded from coverage. There is a limited pre-existing exclusion clause.
Temporary Total Disability
Total monthly payment of up to 60% of pre- disability earnings including benefits or USD 20,000 (whichever is lower). Benefit up to 10 years.
TTD is available to individuals up to age 64 actively at work.
Choose between 60 - 730 days.