Permanent total disablement (PTD) cover

This cover is offered under personal accident policies, where the insured is usually offered 100% of the capital sum insured (CSI) in case he is permanently and totally disabled. The disability should be permanent and beyond any reasonable hope of improvement. However, the definitions of PTD (Permanent total disablement) vary. Some policies define PTD in anatomical terms. For instance loss of both eyes, loss of both arms, loss of both feet, etc., are treated as PTD entitling the insured to 100% CSI under the policy.

https://firstpolicy.com/perman....ent-total-disablemen

Best Practices for Keeping Payroll Information Secure

Payroll data should be safeguarded at all costs in the present day world as it is a keystone of any organization. Payroll data is secured since it involves individual’s information and the remunerations as well as other secured data of the employees. If not well managed, this information could be calamitous for the losers, resulting in things like theft of their identities, loss of cash and even possible imprisonment. Below is sample on how the payroll information should be secured.