Total & Permanent Disabilty (TPD)   Back

What is TPD (Total & Permanent disability)?

If you are disabled and unable to work again, total and permanent disability insurance will give you a lump sum benefit. TPD insurance will also compensate for other severely debilitating circumstances, like blindness. Returning to work after a chronic injury or illness might be challenging or impossible. TPD insurance can act as a safety net to aid you and your family by covering expenses like medical and rehabilitative care.

Furthermore, even though many people might not be aware of it, 90% of Australians have Total and Permanent Disability coverage. Total and Permanent Disability Work Cover offers you protection in the event that an illness or accident results in a permanent disability. You can make a claim for your total and permanent disability insurance if you are unable to maintain your current line of work or locate suitable employment that fits with your training, profession, education, or abilities.


What Constitutes an Insurance Injury for Total and Permanent Disability?

There are many policies, however some TPD coverage only pays out if you are unable to work. Even if you get a little compensation, it won't be enough to support you for the rest of your life. Ideally, your policy would cover you in the event that you are unable to keep the job that you are skilled and experienced in. For instance, if you've worked in manual labor your entire career and suffer a back injury in a car accident, you'll probably be successful with your claim.