Does Life Insurance cover total or absolute permanent disability?

The possibility of suffering a  total or absolute permanent disability  is one of the reasons that should most encourage people to consider contracting an insurance that covers these situations. Life policies can help these people to cope with this situation, thanks to the  permanent disability coverage of Life Insurance .

Ensuring some financial support so that the family recovers normalcy when we are absent is an important incentive to take out a Life policy.

But finding ourselves in a situation of physical disability, with limited income and with the appearance of various economic needs derived from that disability, can be dramatic when we do not have this coverage.

The disability situations that Insurers deal with are many and the risk that an accident will deny us the possibility of keeping our job should be taken into account.

Fortunately, Life insurers offer coverage so that people with a high degree of disability can alleviate their situation with the compensation of the policy.

coverage of different types of permanent disability

Life Insurance can cover situations of total or absolute disability by advancing the insurance compensation, in accordance with the conditions of the contract.

Normally all or part of the insured capital that was destined to compensation for death is advanced to the client. In these situations, the payment of the indemnity as an advance of the insured capital implies the cancellation of the policy.

We can find numerous offers in which disability coverage is offered in Life Insurance. However, not all policies are the same nor do they refer to the same type of permanent disability.

There are varying degrees of disability as a result of an accident or illness. Depending on the type of disability and the severity of its consequences, we will be guaranteed one or another coverage of our Insurance.

It is possible that not all cases of disability are covered by our policy, so you have to read the conditions of the contract carefully to know what exactly this guarantee covers and its limits.

To begin with, it is convenient to know what types or degrees of disability of a person may be covered by Life Insurance and how they will influence the amount of compensation:

Total permanent disability

The total disability and permanent occurs when the person who has suffered an accident or illness is unable to discharge his work. The aftermath of this accident makes it impossible for him to continue doing this activity, even if he can work in other jobs.

In this sense, it is important to point out that, when hiring Life Insurance, the insurer will ask us about our profession, since it will be a determining factor in calculating the price of the policy.

For example, being a policeman or a member of the State security forces and bodies can affect the price and coverage of the Insurance. In this post we give you more information about Life Insurance for police and civil guards .

Absolute permanent disability

The absolute permanent disability has a degree of intensity with respect to the previous. In these situations, the injured person is unable to perform a job as a result of injuries sustained in an accident or because of the aftermath of an illness.

That is, the person with absolute disability is prevented from exercising any type of work, with the economic consequences that this entails. Life Insurance is, in these cases, an economic lifeline for families that depend on the salary of the insured person.

Great Disability

It is the most serious of the cases that we can find, after an illness or accident.

In these cases, the person affected by a severe disability is not only unable to do any type of work, but also needs help to carry out basic day-to-day tasks, such as dressing, eating or washing.

In these cases, to the loss of income due to the loss of employment, is added the cost of treatment, rehabilitation and caregivers that the insured may require.

How to collect the Life Insurance compensation for permanent disability?

To collect the Life Insurance compensation for permanent disability , either total or absolute, the insurer will request the insured for the information necessary to confirm that, indeed, that disability is real and is recognized by the Social Security (INSS).

In cases of compensation for permanent disability, the Life Insurance has the insured himself as beneficiary, and he will be the one who receives the insured capital.

For an insured person to see a permanent disability recognized, they must receive the corresponding resolution from the INSS. Once received, the first thing to do is notify the insurance company with which you have contracted the policy.


For the processing of compensation, it is convenient to have on hand various documentation that may be necessary during this process.

  • The policy number and the insurance conditions
  • The health questionnaire carried out
  • Medical reports, medical history, treatments, etc.
  • INSS resolution that recognizes Permanent Disability.

Deadline to collect Permanent Disability Insurance

If all the procedures are carried out as planned, the insurance company should pay the compensation within 40 days of notification.

In any case, it is convenient to have the support of an Insurance brokerage when managing the collection of Life Insurance for permanent disability. An independent mediator not only advises the client, but will defend the interests of the insured and assert their right to compensation before the insurance company.

At we know that insuring the future is important and that it is possible to get a policy that includes the protection we need, with all the guarantees and at an affordable price. Hiring cheap Life Insurance with permanent disability coverage is possible thanks to our online Insurance comparator .

Just by filling out a form, you can compare for the best insurance offers from the leading insurers in the market, until you get a tailored policy at the best price.

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