A temporary partial disablement (TPD) is a temporary form of insurance for those involved in some kind of car accident, usually involving a motor vehicle. Temporary partial disablement insurance covers you while your own insurance company takes care of your own coverage needs for a specified period of time, usually one day to one month. In some instances, temporary partial disablement insurance covers you while your vehicle is being repaired by a professional to whom you have referred for repairs, but you are not actually locked out of the car until such time as the repairs have been completed.
The way that TPD works is quite simple. If your car has been damaged in an accident that is attributed to your fault, your insurance carrier will pay to repair the vehicle free of charge so long as you have had temporary partial disablement insurance for a number of days prior to the release of the insurance representative to assess the cost of the repairs. In this case, when the representative is released to assess the cost of the repairs, your temporary partial disabling insurance will still cover you. This ensures that you are covered even if the vehicle is not fixed in its entirety, and you do not incur any additional expenses when the vehicle is returned to the shop.
This system is particularly useful if the damage to your vehicle is so severe that you cannot pay for all of the repairs on your own, or if you are unable to return to work due to illness or a serious injury. Your insurance carrier will work with you to determine the maximum cost of the repairs, and will provide you with temporary partial disablement insurance during the period that you are unavailable. This means that even though you have to miss a few days of work, you will still be covered for the same amount that you would have paid for during regular working hours without your temporary partial disablement policy. In the event that your permanent coverage was canceled for some reason, your temporary policy will take effect and provide you with full coverage for the period of time that you are absent from work.
Temporary partial insurance can also prove extremely useful in situations where you are caring for an injured, disabled, or elderly relative. If you are forced to leave your loved one in the care of others due to injuries sustained from an accident, you may be unable to return to work in a short period of time. If you have a temporary partial disabling insurance policy, your family will be covered in the mean time until you can return to work safely. If you were injured in an accident and are in need of medical care, you may not be able to work for a period of time, or your wages may not be sufficient to cover the expenses associated with your injury. When this happens, having temporary partial insurance may keep you in the home and in the routine of your loved ones while you are able to get well.
Temporary partial disablement insurance policies are also available for other situations that may prevent you from returning to work. You may be required to remain out of work while undergoing treatment for an illness or injury that has kept you from working previously. You may have been injured in an accident, but your employer has denied you coverage for reasons that you can dispute. In such cases, temporary partial insurance policies can help you return to work quickly and without being left destitute when you are able to return to work. These insurance policies can also be used to cover you while you go through rehabilitation in between employment periods.
Temporary partial insurance policies provide another benefit to those who may be subject to dismissal because of on-the-job accidents. Many employers today require that their employees take a brief time off from work for recovery purposes. During this time, there is a chance that an employee could become ill or be injured at their job. If the employer does not grant any type of leave or if there is no leave period at all, an employee may be forced to return to work in a short period of time. If you are subject to a return to work requirement as a part of your employment, you may be entitled to the temporary partial disablement benefits available through the employer. These benefits will give you protection in situations where your employer refuses to grant you a leave period or does not allow you to return to work prior to a promised period of time.
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