Permanent and Total Disability: Coverage When Life Changes
Q: What happens if someone suffers a permanent and total disability after an injury?
A: Under the Active Plan, the accident insurance pays $100,000 to support them after a life-changing injury leaves them permanently disabled.
While working on set, Tom’s close friend, Jake, suffered a serious accident that left him permanently disabled. Jake could no longer perform basic daily activities, like getting dressed or eating, without assistance. After a year of treatments, his doctor confirmed that his condition was permanent and irreversible.
Fortunately, Jake was covered under the Active Plan's accident insurance, which provided him with a $100,000 benefit to help cover the costs of his care. Jake’s wife, Linda, used the funds to make necessary home modifications, such as installing ramps and a stairlift to help Jake navigate their home more easily.
The payout from Jake's insurance helped cover his long-term care, allowing him to stay in the home he loved, with Linda and their children by his side. While the accident had profoundly changed his life, the insurance benefit gave Jake the financial support he needed to maintain some independence and comfort, even in the face of a difficult future.