What is “Total and Permanent Disability”?
“Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.
Most Critical Illness policies will insure you for Total and Permanent Disability.
Before an insurance company will pay out under their “Total and Permanent Disability” provisions, they need to know that you are too ill to work again. Therefore, the insurer will almost certainly require you to have a medical examination.
Frequently Asked Questions related to the above topic.
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