DI Did You Know
All Disabilities Can Fit In to One Or All Of The Following Categories:
The majority of disability claims are partial in nature. It is important to always include a partial benefit or residual benefit whenever recommending income protection for your clients.
- Loss of Use - Presumptive: Permanent loss of eyesight, hearing or speech, use of hands and/or feet.
- Loss of Ability - Total: Inability to perform substantial and material duties of one’s regular occupation. Typical causes are heart attack, stroke, or back-related injuries.
- Loss of Income - Partial: Loss of income due to inability to do all duties, or ability to do some duties for less time or less effectively. Partial disability may result from conditions such as multiple sclerosis, cancer, arthritis, and diabetes.