Temporary Total Disability insurance (TTD) is a plan that allows the insured who becomes disabled due to injury or illness to receive up to 60% of their income. This is up to USD 20,000 per month for up to 120 months, on a tax-free basis.
Permanent Total Disability (PTD) insurance provides a maximum of 5 times annual salary or USD 750,000 — whichever is lower. Permanent disability is for individuals who will never be able to do work of any kind due to injury or illness.