Permanent Total Disability Cover


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Permanent Total Disability (PTD)

PTD is an additional benefit you can select on your critical illness cover that allows a claim to proceed if you suffer a permanent total disability and you are unable to work.

It differs from plan to plan and can include riders such as own occupation and any occupation. This essentially means that you can make a claim if the PTD renders you unable to carry out your own occupation in the event you have own occupation benefit, or any occupation in the event you have any occupation benefit.

Some companies have also introduced a test called daily living tasks and they require you to be unable to carry out three of up to about 11 daily living tasks to be deemed as permanently totally disabled.

There is also the very common limitation to this benefit in so much as they will not normally pay out after age 60 to 65 depending on company.

UK-critical-illness-insurance.com
45 Market Street
Wirral
Cheshire
CH47 2BQ

Tel 0800 083 6050

Fax 0151 632 2117

email:
info@UK-critical-illness-insurance.com

Office Hours
9am - 5pm

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