Total Permanent Disability
What Does Total Permanent Disability Mean?
Total permanent disability refers to a condition in which a person is unable to work for a salary for the rest of their life due to a disease or injury. Insurance coverage is often designed to support their financial needs in such situations.
Insuranceopedia Explains Total Permanent Disability
Total permanent disability occurs when a person is unable to work again, excluding cases of bad conduct or misdemeanors. This condition can be physical or mental. For example, the loss of limbs for a driver or the loss of memory for a teacher may qualify as total permanent disability.
Individuals with disability insurance may receive financial assistance for medical services, healthcare, or even regular payments to help sustain their lifestyle. The payout is typically a percentage of the salary the individual earned before the condition arose.
