How much of your income would be at risk if you had a disabling injury or illness?
Permanent total disability (PTD)
Covers individuals against permanent injuries or illnesses that hinder the ability to work, therefore impeding income. PTD will pay a lump sum amount to the individual after 12 consecutive months of disability.
Temporary total disability (TTD)
Coverage that protects an individual’s income when unable to work due to injury or illness. Varying excess periods can be chosen with benefit periods payable up to 60 months.