Life insurance gives those who purchase it the peace of mind of knowing that their family will be protected and supported if they are not around, as well as ensuring that they maintain their estate after death.
However, these plans may also include coverage in the event of absolute and permanent disability of the insured. This coverage is additional and can be added when purchasing life insurance, as well as the premiums (benefits) paid based on the compensation you wish to receive.
When an insured is prevented from being economically active throughout his life due to an injury or illness, he may find himself in a situation of absolute and permanent disability. Therefore, if you are covered by life insurance, you will be responsible for ensuring compensation for your financial situation. This compensation helps the insured and her relatives without having to worry about:
- maintain the family economy.
- Pay for your disability
- Difference between Total Permanent Disability and Absolute Disability
o The degree of Total Permanent Disability may be granted to people who due to accident or illness cannot carry out their usual tasks, but cannot carry out other work activities. However, a person with a certain degree of absolute disability cannot do any type of work.
When you buy life insurance, you can add coverage that protects us in the event of permanent disability, or other coverage that provides the insured with absolute and permanent disability.
What measures should be taken in the event of an accident or illness with a certain degree of absolute disability?
In the event of an accident or serious illness, it is the National Social Security Institute (INSS) that first decides what level of disability is granted. In the case of absolute and permanent disability, the next step is to inform the insurance company of this fact.
The insurer may then request some medical examinations of the adult, and once submitted and verified, the insured will receive a payment with a payment period of 40 days from the date of the disability notice.
Seguro de vida por discapacidad absoluta y permanente de MetLife
Si compra su seguro de vida a través de MetLife, incluido nuestro Seguro de vida integral (Seguro de vida familiar) y nuestro Seguro de vida integral (Seguro de vida de crédito familiar), tiene la opción de comprar un seguro de discapacidad absoluta y permanente para ampliar su cobertura. Con ello queremos garantizar tu tranquilidad y seguridad en todas las etapas de la vida, haciendo que los seguros de vida sean lo más completos posibles.
En MetLife encontrarás un servicio de atención al cliente 100% personalizado, por lo que siempre podrás contactarnos para recibir asesoramiento, ayuda y apoyo en caso de incapacidad absoluta y permanente.
Si tienes cualquier duda sobre nuestro seguro de invalidez permanente y absoluta, no dudes en contactar con nosotros sin ningún compromiso.