Your client's occupation will decide the definition of disability which applies to Total Permanent Disability (TPD) or Premium Protection (PP), prior to any medical underwriting
If your client is employed in any of the follow industries, contact the Scottish Widows Protect team as further information will be
required to confirm the definition of disability: Aviation, Diving, Fishing, Merchant Marine, Oil & Gas, Mining/Tunnelling or Motor Sport.
Search for your client's occupation to see if TPD and PP are available and the definition that would apply.
2.Definition of Disability
Total Permanent Disability
Your client is permanently unable to carry out the usual duties of their own occupation.
Activities of daily work
Your client is unable to carry out certain specified tasks, which include walking and lifting, due to sickness, accident or disability
(26 week deferred period applies to all claims).
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