Understand the Client
We begin by listening carefully to each client's personal, family, or business circumstances, financial commitments, and long-term objectives.
Individual Clients
Permanent Total Disability Cover
Cover intended to support clients who can no longer work in their occupation because of illness or injury, depending on policy terms.
Permanent total disability (PTD) cover is intended to provide a benefit if illness or injury leaves you permanently unable to work, according to the policy’s definition of disability and occupation. For professionals and business owners in Dubai and Lebanon, it addresses a risk that life insurance alone does not: surviving a serious event but losing the ability to earn.
Definitions vary widely—own occupation, any occupation, or activities-of-daily-living tests. Those differences change how useful a policy is in practice. ONE Insurance Brokers explains the wording before you apply, because a cheaper premium with a narrow definition may not deliver what you expect.
We place PTD in context with critical illness cover, savings, and any employer disability benefits. Some clients need a standalone focus on long-term work incapacity; others are better served by adjusting life and critical illness arrangements first. The financial review decides the order of priority.
Occupations with physical demands, travel, or sole-trader income often have higher exposure. Office-based employees with strong sick-pay schemes may need less. We ask about how your income is generated—salary, dividends, or client billings—so benefit design matches reality.
Applications require careful health and occupation disclosure. We guide you through questions insurers typically ask and what medical evidence may be needed. After cover is in force, major career changes or relocation between the UAE and Lebanon should trigger a review.
If you are unsure whether PTD belongs in your plan, a complimentary consultation can map the income-at-risk figure and compare it with what you already have in place.
Income protection style thinking also asks how long savings would last and whether business partners would continue drawings. PTD cover is one answer among several; the financial review decides priority relative to life and critical illness. We avoid stacking similar benefits without a clear purpose for each.
Where employers already provide disability benefits, we read the scheme summary before recommending personal top-ups. Duplication wastes premium; gaps leave families exposed. That audit is a normal part of our complimentary consultation for professionals relocating into Dubai roles with unfamiliar benefit packages.
Finally, we document why a particular definition and benefit level were chosen. That note helps future you—and your family—understand the intent of the cover during a claim or a later review, which is especially valuable for clients who move between Dubai employment and entrepreneurial work in Lebanon or elsewhere in the GCC.
Who it is for
Self-employed professionals, business owners, and employees whose household depends heavily on their ability to work and who lack adequate long-term disability benefits.
When to review
Starting a practice or consultancy; limited employer sick pay; high personal debt tied to income; reviewing cover after a health scare in the family; career change to a higher-risk role.
Related in this cluster
Individual protection:
- Life insurance solutions
- Term life insurance
- Critical illness protection
- Children's education fee protection
- Education planning
Related services
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Frequently asked questions
How is permanent total disability defined?
By the insurer’s policy wording—often linked to inability to perform your own occupation or any occupation. We compare definitions carefully.
Is PTD the same as critical illness cover?
No. Critical illness usually pays on diagnosis of listed conditions; PTD focuses on lasting inability to work as defined in the policy.
Can business owners insure personal income this way?
Often yes, subject to underwriting and how income is documented. We discuss practical evidence insurers may request.
What happens if I move from Dubai to another country?
Portability depends on the insurer. We flag relocation issues when selecting cover.