You are eligible
for the total disability benefit if an injury or illness results in loss of speech, hearing, sight or the use of two limbs, as defined by the policy.
In general terms, an insured who
qualifies for total disability benefit and is able to work in a reduced capacity may be eligible to partial benefit coverage.
The elimination period begins on the day you are first
treated for a total disability or partial disability and it refers to how many days must pass before your disability income benefits start.
If the policy had waiver of
premium for total disability, it could have been self - sustaining after 6 months of disability with no premiums.
Often, employer based plans will have a 2 year own occupation
definition for total disability that changes to any occupation definition after two years have passed.
Though plagued by injuries, which eventually cost him partial use of a hand, foot, knee and ankle, he did not qualify
for total disability pay from the NFL.
The insured is
eligible for the total disability benefit if an injury or illness results in loss of speech, hearing, sight or the use of two limbs, as defined by the policy.
We presume your client is
eligible for the total disability benefit if an injury or illness results in loss of speech, hearing in both ears, sight in both eyes or the use of two limbs, as defined by the policy.
Certain hazardous jobs that rate higher may not provide the ideal
definition for total disability, or the period where own occupation is applied is limited in time.
We presume you are eligible
for the total disability benefit if an injury or illness results in loss of speech, hearing in both ears, sight in both eyes or the use of two limbs, as defined by the policy.
A monthly disability benefit is equal to 70 percent of the worker's base salary (average monthly wage in the previous 10 years)
for total disability and 50 percent for partial disability.
Additionally, it is important to remember that Social Security only pays benefits
for total disabilities.
For a total disability, typically defined as being unable to do your job, a disability insurance benefit amount is fairly easy to understand.
After 24 months of total disability, the benefits, if any,
for total disability are paid if you are unable due to illness or injury to perform all the substantial and material duties of any occupation for which you are fitted by education, training, and experience, your physician has confirmed your total disability, and you are not engaged in any other occupation for wage or profit.
Optional Riders1 Additional Term Rider, Insured Children's Benefit, Waiver of Premium Benefit
for Total Disability, Accidental Death Benefit and Guaranteed Insurability Option are available at an additional cost.4
A true own occupation definition
for total disability and partial disability means you will receive your benefits if you are unable to return to work in your regular occupation, even if you return to work at a different occupation in some capacity.