Clements International High-Limit Disability Insurance

High-Limit Disability Insurance from Clements International, provided by BrokerFish

Disability insurance is essential for anyone who works and wants to protect their standard of living in the event of an injury or illness that prevents them from earning an income. Clements International provides high-limit temporary and permanent disability insurance to professionals, and BrokerFish is proud to represent them as a broker. With coverage in high-risk locations and no exclusions for war and terrorism, Clements International’s disability insurance is a reliable choice for anyone living abroad.

Disability Insurance: Temporary Total Disability (TTD) and Permanent Total Disability (PTD)

What is disability insurance?

Disability insurance is designed to protect individuals who are no longer able to work due to an injury or illness. It provides financial support to help them maintain their standard of living and cover the costs of medical care.

Temporary Total Disability Insurance (TTD)

Temporary Total Disability insurance (TTD) is a plan that allows the insured, who becomes disabled due to injury or illness, to receive up to 60% of their income. The monetary limit is USD 20,000 per month, for up to 120 months (tax-free basis). TTD is available to individuals up to age 64 actively at work, and you can choose a waiting period of minimum 1 year to over 2 years.

Permanent Total Disability Insurance (PTD)

Permanent Total Disability (PTD) insurance provides a maximum of 5 times annual salary or USD 750,000 – whichever is lower. PTD is for individuals who will never be able to do work of any kind due to injury or illness. PTD is available to individuals under 62 years of age actively at work, and you can choose a waiting period of between 12 and 120 months.

Who qualifies for disability insurance?

Anyone who works can qualify for disability insurance. Age limits apply. TTD can be purchased up to age 64, with benefit periods decreasing after age 60. The maximum benefit period at age 63 is 12 months. PTD is available to individuals under 62 years of age.

Are pre-existing conditions covered?

Any condition for which a person would have or should have sought treatment in the 30 months prior to the effective date of the policy is excluded.

Don't let a disability affect your standard of living abroad

Clements International’s expat disability insurance allows individuals and their families to maintain their standard of living if injury or illness gets in the way of work. With high-limit disability insurance for professionals, Clements International provides coverage for loss of income should you become disabled either temporarily or permanently. You don’t have to worry about the high costs of dealing with a sudden disability overseas, with Clements International’s coverage that knows no borders.

BrokerFish makes it easy for you to get an instant disability insurance quote from Clements International. Click the button below to get started and protect your future.

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