53 year old Robbie was on his way to work when a commercial van pulled out in front of him. The ensuing collision gave Robbie a fractured tibia requiring eternal fixation; he also suffered several fractured ribs. Robbie developed a chronic compartment syndrome in the lower portion of his damaged leg.

After three surgeries he was left with a significant permanent disability and an ongoing need for medical care. He was unable to return to his teaching job. Because he had an “own occupation” total and permanent disability policy, he was able to make a claim which provided him with the funds to help plan for his future.