Temporary disability Social security disability benefits

 

Temporary disability;

                          

Temporary disability   

           Temporary disability is understood to be any bodily injury that temporarily makes it impossible for the insured to carry out his habitual profession. In the event that the insured person does not carry out a defined activity, the temporary disability is considered terminated, for all purposes, when he can leave his home.

                                                 

          The compensation that the insurer pays for this guarantee is a daily amount for the duration of the aforementioned disability, with a maximum limit that is usually one year.

                  The policyholder, therefore, sets a daily amount that must be according to the income that the insured a person ceases to receive due to not being able to carry out their usual work or, where appropriate, with which they must satisfy another person to replace them in their work. The adequacy of this daily sum to the needs and income of the insured is important, to avoid a profit incompatible with the purpose of the insurance.

                  Partial daily benefits can be established in the phase in which the insured is recovering.

                                            

                   The temporary disability guarantee can be contracted to cover said disability from the first day it occurs as a consequence of the accident, or with the franchise. This is expressed in days so that the insurance company does not pay the daily amount until after the first days of disability.

               In this way, administrative procedures derived from the attention to small claims, with consequences that the insured can easily assume, as well as being more closely linked to the risk that is being insured since it also participates in part of the cost of the accident. When an excess is established, the insurance premium is also lower.

                                                           

             Compensation for temporary disability is paid regardless of that corresponding to death or disability permanent and ceases at the time that occurs or the latter is fixed.