Temporary Total Disability (TTD) renders you unable to work for a short period of time. Our product currently offers income protection only for Permanent Total Disability (PTD), the result of a covered injury or sickness that renders a person totally unable to perform the substantial and material duties of a regular occupation or specialty. In other words, it's coverage for a permanently debilitating condition or accident that is covered by the policy. Total disability means that you must be under the care of a physician, or have an injury or sickness that results in the entire and irrevocable loss of at least one of the below:
- The use of both hands or both feet
- The use of one hand and one foot
- The sight in both eyes
- The hearing in both ears
- The ability to speak"