High Limit Disability

Not all jobs are created equal. Corporate executives, professionals, pro athletes or those employed in the entertainment industry have occupations that come with unique risks; risks that can impact their ability to perform their duties, fulfill a contract, a guarantee, or an obligation. Sutton Special Risk High Limit Disability Insurance helps protect their financial security from a possible loss of income. It offers industry-leading high sums insured, broad coverage including special hazards such as high risk occupations, out of country exposures, or war and terrorism risk. Coverage is available on a group or individual basis.

Temporary Total Disability

Insuring against injury or illness that causes a temporary inability to work.

• Benefit: Payable monthly

• Elimination Period: 0 to 180 days

• Maximum Indemnity: up to 120 months. Short-term coverage available.

• Recurrent Disability: If insured returns to work, but suffers a recurrence of TTD, the elimination period is only reapplied if recurrence occurs after 60 days

• Option: Can be purchased in conjunction with LTD or as a stand-alone benefit. The benefit is available in any amount financially justified.

Permanent Total Disability

Insuring against injury or sickness that causes the insured to be disabled beyond hope of improvement and permanently prevented from engaging in their occupation or profession.

• Benefit: Payable in the lump sum selected, or calculated as the present value of the TTD benefit to age 65

• Elimination Period: 12 months or following payout of all TTD benefits

• Option: Can be purchased in conjunction with TTD or as a stand-alone benefit. The benefit is available in any amount financially justified.

Extraordinary coverage for high value professionals

Sutton Special Risk High Limit Disability Insurance is ideal for:

• The high level securities executive whose group disability benefits don’t extend to cover his earnings

• The IT consultant who travels regularly to unstable war-torn countries

• The musician who can’t sign her dream record deal until she’s insured against becoming sick or injured

• The professional hockey player who has just signed a 5 year $40 million contract who purchases off-ice coverage to protect the balance of his contract

• 23 year old top level player in the last year of his first NHL contract. He needs 24 hour PTD coverage to protect his future value.