Permanent Total Disability

Permanent Total Disability (PTD) insurance covers individual athletes or team players against permanent injuries or illnesses which prevent them from continuing in the sport. PTD will pay a lump sum amount to the athlete after 12 consecutive months of disability. For team-owned coverage, our PTD policy can be linked to a Temporary Total Disability (TTD) contract, to be payable after monthly benefits cease.

A singer whose career just entered the fast lane gets into a devastating car accident. Her injuries permanently prevent her from performing. Concerts are cancelled, a movie deal is shelved, her recording contract is breached and her income comes to a screeching halt.

When top-level entertainers suffer permanent disability, they don't suffer alone. With an established worldwide reputation, these icons have a circle of individuals who depend upon them. If entertainers can't perform their own occupation, it's important that their Permanent Total Disability (PTD) coverage has the substantial limits their star-power requires.

When top-level executives suffer a permanent disability, they don't suffer alone. Whether an individual or corporation purchases this coverage, it is important to protect their family's income or the corporate revenue. With an established reputation, these executives have many people who depend on them. If these executives can't perform their own occupation, it's critical that Permanent Total Disability (PTD) coverage is in place and has substantial limits to replace their lost income.