Accident Policy TTD Clause: Are You Underclaimed?

If an accident stops you from working for weeks, your personal accident policy can pay weekly compensation — but the rules around Temporary Total Disablement are tricky, and most claimants don't know how to use this benefit correctly.

Here's what happened: Personal accident insurance includes a Temporary Total Disablement (TTD) benefit that pays weekly compensation when injury stops you from working.. TTD claims are calculated as a fixed percentage — typically 1% of the sum insured per week, subject to a weekly cap — not your actual salary loss.. Most policyholders never file TTD claims because they don't know the benefit exists or how to document the injury period correctly with medical certificates..

What you should do: Check your personal accident policy document right now for the TTD clause — look for 'weekly benefit' or 'temporary disablement' in the benefits table.. If injured and unable to work, ask your treating doctor to issue a fitness certificate clearly stating the number of days you were unable to perform your duties.. Compare your policy's weekly TTD cap (often ₹5,000–₹10,000/week) against your actual weekly income — if the gap is large, top up your sum insured..

TTD benefits are usually capped at 100 weeks lifetime across all claims — file even minor qualifying injuries so you document your claim history properly with your insurer.