The purpose of long term disability insurance
is to protect future earnings.
The benefits in the disability insurance will
replace your income, in case of long term incapacity to work. While most
people have prepared for the medical cost of severe injury or illness
(through health insurance), they are often not prepared for the loss of
salary that follows such a misfortune. In general, if you rely on your
employment in order to pay the rent and buy food you should seriously
consider disability coverage.
A disability pension replaces the regular
income you can lose in case of sick leave due to accident or sickness. The
benefit should cover 70% of gross annual salary
The insurance also includes:
– a benefit will be paid out to the beneficiary in case of the
insured person´s death
– a benefit will be paid out in case of accident
– if you become disabled, the
insurance company takes over the premium payments.
Anyone who work and live outside their home
country can get this insurance. It replaces you from 25% sick rate as long
as the illness consists, but not later than age 65.
Please contact if you want an offer or if you
need further information.