The Importance of Total & Permanent Disablement Insurance

Total and Permanent Disablement Insurance covers you in the event that you are no longer able to work. This cover will pay out a lump sum in the event that you are totally and permanently disabled and no longer able to work again. As a working expat in Singapore, you may very well be the sole or primary bread-winner for your family, what would happen if you could no longer work and earn an income? How would you continue to meet your ongoing family expenses?

Total & Permanent Disablement Insurance is often added as a rider to a life insurance policy, providing an extra degree of cover for relatively little expense. This can provide some ‘peace of mind’ for you and your family in the event that you’re unable to work and unable to carry out daily activities.

Total & Permanent Disablement Insurance - Jarrad Brown

There are 6 Activities of Daily Living

These are the daily activities that insurance providers require you not to be able to complete to make a claim on your Total & Permanent Disablement Insurance policy. Different providers require different numbers of the activities to make a claim.

  • Eating
  • Bathing
  • Dressing
  • Toileting
  • Transferring (Mobility)
  • Continence

Discuss Your Total & Permanent Disablement Insurance Requirements Today

Different policies will require a minimum number of activities that you must not be able to complete to claim under the policy so it is important that you’re aware of this before selecting an insurance policy.

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