• After a waiting period of 90 days, you will receive a monthly allowance of minimum € 1,000 / £ 650 / $ 1,250 / CHF 1,500 and maximum € 10,000 / £ 6,500 / $ 12,500 / CHF 15,000. The maximum monthly allowance is 80% of your gross monthly salary.
  
• You will receive a monthly allowance during a maximum period of 24 months. If you are still unable to resume work after this period, you can continue to receive an allowance through the Permanent Disability insurance.
  

The Permanent Disability insurance assures you of a monthly allowance if you are unable to resume work due to an accident or illness (after two years of Temporary Incapacity).

• The amount of the monthly allowance can be determined freely. The amount may not exceed a maximum of 80% of your gross monthly salary, with a minimum of € 1,000 / £ 650 / $ 1,250 / CHF 1,500 and a maximum of € 10,000 / £ 6,500 / $ 12,500 / CHF 15,000.
  
• If the degree of disability is less than 33.33%, no allowance will be paid out.
  
• If the degree of disability lies between 33.33% and 66.67%, the allowance will be proportional to the actual disability.
  
• If the degree of disability is 66.67% or more, the full allowance will be paid out. Furthermore, an additional one-off sum of € 25,000 / £ 16,250 / $ 31,250 / CHF 37,500 will be paid out on top of the monthly allowance, if you need the assistance from a third person to be able to perform the basic activities of daily living.
  
• The allowance will be paid for as long as you are unable to resume your activities, and at the latest till you become 65 years old.