How to Get Approved For Total and Permanent Disability Insurance


Staff member

Total and Permanent Disability Insurance is a term utilized in law and in the insurance sector. In general, it signifies that due to some illness or injury, an individual is no longer able to work in any occupation or their capacity for which they were suited due to education, training, or experience. This type of insurance provides an assurance that should an individual become totally disabled, then they will be paid a certain amount by their respective insurance company, depending on the disability that they have sustained. This payment is to ensure that they are provided with whatever financial assistance they may require in order to live a relatively normal life once again.

One of the many types of this particular insurance is that the insurer will pay out when a claimant has become totally and permanently disabled due to an accident or sickness. As long as the disability does not extend to the neck, arms, or legs, then the insurance company will pay out the amount that the claimant has claimed for. There is an extensive process that needs to take place before this particular claim can be settled by the insurance provider. Once this process is complete, then the claim is fully processed and the claimant will receive the amount that has been claimed for by them.

It is very important to understand the eligibility requirements required in order to make a claim for this type of insurance. Each individual is different and as such the rules and regulations associated with this type of plan will differ accordingly. In general, the most basic requirements required in order to make a claim for this plan is that you must be a Canadian citizen or Permanent resident of Canada and that you must meet the eligibility criteria that is laid down by the company.

In addition, there are some additional stipulations that you must follow in order to make a successful claim for any type of disability insurance. First and foremost, you must report any accidents or illnesses that you may have had over a period of one year prior to the day that the company makes the decision to make a claim against you. This rule is in place because you do not want to mislead the company into thinking that you were misdiagnosed and therefore, they will not pay out. In addition, you must make sure that you disclose all information related to your daily life so that you are not found out to be ineligible when making a claim. This can include information about any financial debts that you may have and any medical conditions that you may be suffering from.

Also, you must know that the company will only pay out the lump sum that you are entitled to receive if you are able to prove that you will be unable to continue working for a period of at least six months immediately following an accident or illness that occurred while you were working. This is known as the'Lump Sum Rule' and it has been a proven deterrent to many people who try to make a claim on the policy. There is no doubt that many of those who have successfully made a claim with this measure have also been awarded compensation in excess of seven hundred and fifty thousand dollars.

If you are looking for disability insurance for the first time, you should definitely understand that you will be under a binding agreement during the term of your contract. Because it is a legally binding contract, it is important that you take the necessary steps to protect yourself by ensuring that you do not sign anything that may nullify the policy in the future. If you have any questions or concerns about how your contract should work, it is strongly suggested that you consult with a qualified disability lawyer before beginning the process. It is in your best interest to protect yourself, because if you are injured while trying to get employed, you will find that it is much easier to get approved for the right type of coverage than it would be if you had no insurance to fall back on.​


VIP Contributor
Thanks alot dear Admin for taking your time to explain vividly what 'total and permanent disability insurance stand to offer for one who later became disabled after years rolled over.

This insurance is worthwhile for any one working to move over, no one can predict the future, things can go rough, with this insurance we can cover up the loss when unwanted accident chalk up our most essential body part in life, making it impossible to do work again.


Valued Contributor
Enlightening thread on how to get approval for Permanent disability insurance. This type of insurance can help one meet their financial obligations while also maintaining their on-going lifestyle. But before signing up for a disability insurance cover, it's always wiseful to consider certain things, so that we can better protect ourselves.


VIP Contributor
This is a very enlightening post and the poster really hit the nail on the head. But I don't think this type of insurance policy is suited for personal business or someone that works in a school. But for someone that works in a factory who is prone to work accident, it is apt for him.