What is the definition of Total Disability?

Total Disability refers to a person's continuous and complete inability to perform common and essential tasks and duties that are expected for him to do his job.

The insurance company will only pay if the insured person meets the criteria for total disability.

Under insurance policies, total disability is also described as the loss of both limbs, both eyes or the sense of hearing. It can also mean that the person cannot do his job (his job prior to the injury or illness) and has no expectation of being able to come back. This applies to any job where the insured person has had sufficient training, education, or experience.

There is usually a waiting period, counted from the day the disability is diagnosed, before the insurance company starts to pay for the total disability benefits.

• Insolvency
• Misstatement of Age or Sex Provision
• Modified Premium Policies
• Moral Hazard
• Comprehensive Coverage