Insurance against incapacity for work

Unexpected life challenges can strike at any time, and the loss of working capacity affects the ability to support loved ones and ensure the former level of income. In this case, we will make sure that you do not have to experience financial worries.

In case of full incapacity for work and determination of 0-25% participation (capacity for work) level, the full sum insured will be paid out.

The amount of the premium depends on age, state of health, nature of work and hobbies.

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Frequently asked questions about insurance against incapacity for work

This is the condition of a person when, due to health, the ability to perform income-related activities, works that do not require special knowledge, qualifications and skills is completely restricted, and the person’s participation (working capacity) is estimated to be no more than 25%. The fact of full loss of participation (working capacity) is confirmed if such incapacity of the insured persons continues uninterruptedly at least for 12 months. The criteria and procedure for determining the level of participation are established by the Ministry of Social Security and Labor of the Republic of Lithuania in cooperation with the Ministry of Health of the Republic of Lithuania. For more information on the criteria for determination of working capacity, read here:

The sum insured is chosen by you to cover your loss of income due to loss of participation (working capacity).

We pay out 100% of the amount specified in the insurance contract if the insured person has up to 25% participation (working capacity) due to a change in health that occurred during the period of coverage, when the condition continues uninterruptedly at least for 12 months.