Total Permanent Disability
(TPD)

TPD is designed to help take the pressure off you financially if you suffer an illness or injury that leaves you totally and permanently disabled. The lump sum benefit paid is often used to pay down debts, pay for medical expenses or fund permanent lifestyle changes. For example, moving to a home that is more accessible for your condition. The definition of what a ‘total and permanent disability’ is will vary depending on the particular product and insurance policy. Most 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
Home Duties and Non-working conditions.

# Please refer to the attached PDS for further explanations.