Partial & Permanent Disability and Total & Permanent Disability Benefits
Partial & Permanent Disability and Total & Permanent Disability are part of the benefits under the Group Term Life insurance plan.
Below are more details on the differences between the two benefits.
Click the button below to contact AIA Insurance Agent Levine Lee, to answer your questions on this insurance plan.
AIA Group Term Life Insurance Plans
This is a Group Term insurance plan (GTL) from AIA Insurance for employees.
- Death coverage.
- Total and permanent disability (TPD).
- Partial and permanent disability (PPD).
- Terminal illness
- Repatriation expenses
- Optional critical illness
Send in this pre-order to get the official proposal for you. Nothing needs to be paid for this pre-order.
Partial & Permanent Disability (PPD)
Partial & Permanent Disability (PPD) refers to a medical condition where it affects the worker from fulfilling their job responsibilities. The worker got injured or involved in accidents but still can do some of the necessary tasks for a living.
For example, a factory worker had an accident while handling a piece of machinery at his workplace. As a result of that incident, he lost two of his fingers. He now has a permanent disability but is still able to perform other tasks.
In these situations, the worker must be able to demonstrate that their injury was caused by their job obligations. And was closely tied to some aspect of their work in order to be eligible for compensation.
The following are a few examples of work-related injuries that could allow an employee to qualify for partial disability status:
- Chronic pain
- Carpal tunnel syndrome
- Back and neck problems
- Heart attacks
- Gastrointestinal issues
- Sensory loss (e.g. vision damage or hearing loss)
For Partial and Permanent Disability (PPD), the level of disability is used to determine the insurance benefit. The table below shows the percentage of the amount of insurance compensation that the employee will receive based on this partial and permanent disability scale of indemnity.
|Partial and Permanent Disability Scale of Indemnity
|Percentage of the amount of insurance
|1. Permanent Total Loss of sight in both eyes
|2. Permanent Total Loss of sight in one eye
|3. Loss of or the Permanent Total Loss of Use of two limbs
|4. Loss of or the Permanent Total Loss of Use of one limb
|5. Loss of speech and hearing
|6. Permanent and incurable insanity
|7. Permanent and incurable paralysis of all limbs
|8. Permanent Total Loss of hearing in
(a) both ears
(b) one ear
|9. Loss of speech
|10. Permanent Total Loss of the lens of one eye
|11. Loss of or the Permanent Total Loss of Use of four fingers and thumb of
(a) right hand
(b) left hand
|12. Loss of or the Permanent Total Loss of Use of four fingers of
(a) right hand
(b) left hand
|13. Loss of or the Permanent Total Loss of use of one thumb
(a) both right phalanges
(b) one right phalanx
(c) both left phalanges
(d) one left phalanx
|14. Loss of or the Permanent Total Loss of Use of fingers
(a) three right phalanges
(b) two right phalanges
(c) one right phalanx
(d) three left phalanges
(e) two left phalanges
(f) one left phalanx
|15. Loss of or the Permanent Total Loss of Use of toes
(a) all – both feet
(b) great – both phalanges
(c) great – one phalanx
(d) other than great, each toe
|16. Fractured leg or patella with established non-union
|17. Shortening of leg by at least 5cm
Total & Permanent Disability (TPD)
Total & Permanent Disability means that the disability must be total and permanent. And the person can never sufficiently earn or obtain any income as a result of that.
For instance, the worker develops an occupational disease that causes a medical condition. As a result from that, the worker is deemed unfit to work and no longer able to gain any income.
Another example is a lorry driver who was involved in a traffic accident and suffered a brain injury that resulted in paralysis. Due to his condition, he is no longer able to work.
Total disability also can be because of natural or accidental causes. Example of conditions that fall under this category includes:
- Chronic obstructive pulmonary disease
- Lung disease (e.g asbestosis)
- Parkinson’s disease
- Mesothelioma and
- Various other conditions fall into the criteria listed under the law.
There are specific criteria used to determine the compensation amount. Where the insured will be assessed on his or her ability to perform the daily task. Examples of the activities of daily living are shown in the table below.
|Getting in and out of a chair without requiring physical assistance.
|The ability to move from to room without requiring any physical assistance
|The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
|Putting on and taking off all necessary items of clothing without requiring the assistance of another person
|The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other means
|All tasks of getting food into the body once it has been prepared.
The differences between Partial & Permanent Disability and Total & Permanent Disability
It is important to know the differences between Partial & Permanent Disability and Total Permanent Disability as both have different compensation amount.
The worker that has Partial & Permanent Disability injury is expected to eventually go back to work again. As their injury is considered partial, they are expected to perform in a limited capacity. Meanwhile, those that have Total & Permanent Disability injuries are not expected to go back to work. Their disability makes them unable to earn a living.
Therefore, someone who is entirely disabled will receive greater benefits during the course of their accident compared to someone who is only partially afflicted and can still perform some of their job obligations.
Levine Lee has over 18 years of working experience with AIA and ING Insurance. She is an expert AIA insurance agent and life planner for AIA in Malaysia. Contact LEVINE LEE, at +6012 684 0948. She can work with you to create the best plan to meet your employee benefits program and group insurance budget plans.
Or send in the form below for Levine to call you to scope your needs for a quotation.
At Red Cover Life Planning, we emphasize our people- helping them grow, expanding their abilities, and discovering new opportunities. Join us now to be part of our team and story.