Understanding Total And Permanent Disability Insurance Plan

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An insurance plan is one of the most significant things that we need in our life. It is very beneficial to everyone and offers numerous kinds of plans that would suit your criteria and needs. Among the ones that are special is the total and permanent disability insurance plan or TPD. If you are in this category, you are very welcome to buy insurance policy for total permanent disability Malaysia. You would receive countless benefits that would lessen your burdens. This is what we are going through today and if you are unclear about this plan, everything would be explained in this post. 

Total and Permanent Disability Definition

If we try to understand the definition by looking at its name, it simply means that the individual is not capable of working anymore due to the condition that is caused by any kind of injury or sickness. Other than TPD, it is also known as permanent total disabilities and this applies to those who have zero chance of getting back to work. The definition of TPD varies in different countries but this is the basic meaning. The ones that are confirmed to have the status of TPD are usually those who suffer from it for at least six months for them to be qualified for the coverage. 

How to Know If You Really Are Qualified?

If you are currently suffering from injuries or sicknesses that can be cured, you might not qualify for this plan. This applies if your injury is not too serious and there is a chance for you to get better and improve. As long as you have hope and alternatives to be cured, you would not be eligible for this plan. Only those who are confirmed by the doctors and experts that they are not able to work at all are qualified. Among the examples are permanent paralysed which is obviously impossible for those with it to do any work. But no worries, you still have a chance in obtaining this plan, but you would have to wait until your treatment is complete. 

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If you are in any of these categories, you should know that you are qualified for this plan. The most crucial thing to do is to ensure that you know all the procedures included and go for it. These are among total and permanent disabilities that are advisable to acquire this plan for their betterness:

  • Permanent Hearing and Vision Loss

If you suffer from an incident that causes you to lose both of these, you are ensured to be qualified for this plan. This only applies if you really are not capable of working anymore especially if you lost your eyesight. 

  • Lost Limbs or Digits

Losing a part of your body would definitely make it hard for you to work. This applies if you lost your limbs, which are one of the most important parts of the body. 

  • Carpal Tunnel Syndrome

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Carpal Tunnel Syndrome is a condition where your hand and forearm feel pain and numbness which could affect your work performance. 

Those who have been confirmed with this disability should get professionals and experts to assist them with the procedure and process.