INTERNATIONAL DISABILITY INSUARNCE

SHORT TERM & LONG TERM DISABILITY

The primary concern of most individuals is their ability to meet ongoing financial obligations in the face of a disability. Therefore, insurance protection should be the number one priority. However, this aspect of one’s insurance portfolio is often overlooked.

MSH International offers Disability Plans* with the following key features:

Short-Term Disability:

• Up to 75% of salary to maximum of $2,000 per week
• Benefit periods from 30 days to 2 years
• Own occupation definition
• 0 day hospital and accident and 7 day sickness elimination period
• Maximum age 70

Long-Term Disability:

• Up to 70% of salary to maximum of $10,000 per month
• Two year Own occupation definition followed by any occupation definition
• 30, 90 or 180 day elimination period options
• Maximum age 65

Permanent Total Disability:

• Lump sum payment of up to 5 times annual salary
• Maximum lump sum benefit $500,000
• 12 or 24 month elimination periods
• Maximum age 65

*Some restrictions may apply and medical underwriting may be required depending on the size of the group.