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Total & Permanent Disability Cover TPD

Total & Permanent Disability TPD

If an unfortunate event occurred in your life and you were deemed disabled and unable to work again, would you have a plan for continuing your income? Total Permanent Disability Cover provides you with a lump-sum payment to help provide you with additional income, pay for medical costs and make adaptations to your home.

Own Occupation TPD is generally defined as having sickness or injury which has prevented the insured person from working in their own occupation for at least 3 consecutive months and due to which they are unlikely to work again in their own occupation.

Any Occupation TPD is similarly defined, with a key difference. 
Having sickness or injury which has prevented the insured person from working in their own occupation for at least 3 consecutive months and due to which they are unlikely to work again in their own occupation:

  • due to which they are unlikely to work in any occupation for which they are reasonably qualified because of education, training or experience. 

The definitions of these may vary depending on the insurer. Book a consultation to find out which insurer and policy would be the best fit for you.

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