A Life insurance generally covers critical illness benefit and total and permanent disability benefit. So if you have a life insurance cover with the above benefits and due to some reason like accident or illness are not able to return to work ever you can claim benefit under the Permanently Unable to Work clause.
For this the policy holder or the beneficiary of the policy holder needs to complete a claim form and include the following documents with it:
• Freedom of information authority
• Medical authorities
• Health Insurance commission authority
Apart from this other documents needed are the original life insurance policy and proof of age of the policy holder. If the policy holder cannot due to some reason complete the form then the beneficiary or the doctor can do so provided they have the power of attorney, a copy of which should also be given to the life insurance company. Sometimes the insurance company may also request a physiotherapist or an occupational therapist to assess the claimant’s actual condition.
Similarly to claim benefit for critical illness the same above documents would be required.
For any additional medical evidence that the company requests for like the specialist’s review etc. the company bears all the expenses.
The process of assessment and the time taken for approval and payout of the claim depends on individual claim. Some happen quickly while some may take time; the delay can be due to the type of claim or delay in receiving the requested information and so on.
To know more on how to claim for inability visit lifeinsurancedirect



