Permanent Total Disability (PTD)

Permanent Total Disability (PTD) coverage is used to protect professional athletes, college players, juniors with highly ranked ‘up and coming’ status and professional sports team executive management from career ending disablement.

Permanent Total Disability is defined as being totally disabled as a result of bodily injury, sickness or disease, preventing the Insured from ever again participating in their own occupation.

Benefits are payable in a lump sum with an elimination period of 12 months.

PTD can be purchased by individual athletes to protect them against personal loss of future potential income or by teams as Key Player coverage to protect their financial interest in guaranteed contracts.