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Claim upon inability to do 1 or 2 of the 6 Activities of Daily Living
Shorter Waiting Period
Unlike a Total and Permanent Disability (TPD) rider coverage, a disability income allows you to start claiming after the 3rd month uponafter diagnosis. A normal TPD rider requires 6 months waiting period of total disability before pay-out is made.
Lifetime ADLs Coverage
A normal Total Permanent Disability Coverage will not pay out base on ADL after age 70, Careshield life and it’s supplement provides ADL defined coverage for life
Additional Dependent Benefit Payout
Receive additional pay out if you have dependents for the first few years of your disability.