Total and Permanent Disability (TPD) Insurance

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What is Total Permanent Disability?

The definition of 'total and permanent disability' will vary depending on the particular product and insurance policy. There are two definitions available under TPD cover, and most insurance companies allow you to choose whether you want coverage against:

Being unlikely to be able to work again in your 'own occupation' following an illness or injury or,

Being unlikely to be able to work again in 'any occupation' following an illness or injury.

At the time of application, you are able to choose which definition you wish to be assessed against.

Do I Need TPD Insurance?

Just imagine that you are unable to work again and earn an income to support your family. You are still alive, but will need ongoing medical treatment and rehabilitation for many years to come. You may even need to modify your family home to assist with your disability. TPD cover will provide a lump sum to assist you in meeting these costs.

How is TPD Insurance Paid?

TPD Insurance provides you with a lump sum amount should you become permanently disabled. That is, if you are determined unfit to work again in your occupation or in any other occupation for which you are suited by training, education or experience, depending on your policy. The lump sum payment from your TPD insurance can be used for the costs of rehabilitation or debt repayments. It can also be used for other personal or family expenses. The payment will generally only be made if the disability has been proven for six months and if the insurer has proven that you are deemed unfit for work according to the definition in your policy.

Combining TPD & Life Insurance

TPD insurance can be added as an extension to your life insurance policy. It can also be taken as an extra feature from your super fund and as a part of your trauma insurance. Check with your super fund whether you have this cover, and how much it is. You will then be able to assess if it is enough to protect you and your family.

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Stepped Vs Level Premium A stepped premium starts lower but increases over time and a level premium starts higher but remains the same.

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