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High Limit Disability
Not all jobs are created equal. Corporate executives, professionals, pro athletes, or those employed in the entertainment industry have occupations that come with unique risks; risks that can impact their ability to perform their duties, fulfill a contract, a guarantee, or an obligation. Sutton Special Risk High Limit Disability Insurance helps protect their financial security from a possible loss of income. It offers industry-leading high sums insured, broad coverage including special hazards such as high risk occupations, out of country exposures, or war and terrorism risk. Coverage is available on a group or individual basis.
Extraordinary coverage for high-value professionals
Sutton Special Risk High Limit Disability Insurance is ideal for:
The high-earning executive whose group disability benefits don’t extend to cover his earnings
The IT consultant who travels regularly to unstable war-torn countries
Business partners who want to ensure the viability of their company if one of them becomes disabled
An organization that will suffer significant financial losses if one of its key employees is not able to work as a result of a disability
Temporary Total Disability
Insuring against injury or illness that causes a temporary inability to work.
Benefit: Payable monthly
Elimination Period: 0 to 180 days
Maximum Indemnity: up to 120 months. Short-term coverage is available.
Recurrent Disability: If the insured returns to work, but suffers a recurrence of TTD, the elimination period is only reapplied if recurrence occurs after 60 days
Option: Can be purchased in conjunction with PTD or as a stand-alone benefit. The benefit is available in any amount financially justified.
Permanent Total Disability
Insuring against injury or sickness that causes the insured to be disabled beyond hope of improvement and permanently prevented from engaging in their occupation or profession.
Benefit: Payable in the lump sum selected, or calculated as the present value of the TTD benefit to age 65
Elimination Period: 12 months or following payout of all TTD benefits
Option: Can be purchased in conjunction with TTD or as a stand-alone benefit. The benefit is available in any amount financially justified.