Total Permanent Disablement
Support if your ability to work or live independently changes permanently.
A serious illness or injury can have a lasting impact on your income, lifestyle, and family. Total Permanent Disablement insurance can provide a lump-sum payment if you become totally and permanently disabled and are unable to work again, or unable to carry out normal daily tasks if you are not employed. This financial support can help you manage ongoing expenses, reduce debt pressure, make necessary lifestyle changes, and protect your family’s future.
When TPD insurance may pay
Support if life changes permanently after illness or injury.
Total Permanent Disablement insurance is designed to provide financial support if illness or injury leaves you totally and permanently disabled.
Depending on your policy, this may mean you are unable to ever return to work, or if you are not employed, unable to carry out normal daily tasks.
A serious illness or injury happens
TPD cover may apply when a significant illness or injury has a lasting impact on your ability to work or live independently.
You are unable to return to work
Depending on the policy definition, a claim may be considered if you are permanently unable to work again in your occupation or any suitable occupation.
Or daily life is permanently affected
If you are not employed, some policies may look at whether you can still carry out normal daily tasks. The exact wording varies between providers.
TPD definitions, claim criteria, exclusions, and waiting periods can vary between policies. We can help you understand how your cover works before you need to rely on it.
How the payment can help
Financial support for long-term change.
If a TPD claim is accepted, the lump-sum payment can help reduce financial pressure and give you more options as you adjust to a new way of life.
Living costs
Help with everyday expenses such as groceries, utilities, transport, and family needs.
Mortgage or rent payments
Support to help keep your home secure if your income is reduced or stops.
Outstanding debts
A payment may help reduce or clear debts, easing pressure on you and your family.
Medical or rehabilitation costs
Help with treatment, rehabilitation, equipment, or extra care that may be needed.
Home adjustments
Help fund practical changes to your home or lifestyle if your needs change permanently.
Long-term family support
Provide financial breathing room for your partner, children, or people who depend on you.
How you use the payment is generally up to you. The right amount of cover depends on your income, debts, family needs, lifestyle, and long-term plans.