International High-Limit Temporary and Permanent Disability Insurance
Don’t Let a Disability Affect Your Standard of Living Abroad
Clements Worldwide 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.
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.
Benefits
Body: 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.