International Disability Insurance | Coverage Chart
Learn your coverage from the charts below.
Permanent Total Disability
Lump sum of USD 750,000 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 30 - 730 days