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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.

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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.

Permanent Total Disability

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.

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.

You can choose a waiting period of minimum 1 year to over 2 years.

**Limits and restrictions apply. Subject to certain country restrictions. See policy terms and conditions.

A disability doesn’t have to impact everything.

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, according to the U.S. Social Security Administration, 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.

Coverage Chart

Permanent Total Disability

Benefit Payments: Lump sum of USD 500,000 max or 5 times your pre-disability earnings including benefits (whichever is lower).

Eligibility: PTD is available to individuals under age 62 actively at work.

Waiting Period: Choose between 12 months – 120 months.

Preexisting Conditions: 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.

War & Terrorism: Covered.

Exclusions: 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

Benefit Payments: 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.

Eligibility: TTD is available to individuals up to age 64 actively at work.

Waiting Period: Choose between 60 – 730 days.

Maintain Your Standard of Living

Get disability coverage that knows no borders.
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Frequently Asked Questions

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Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.