Factsheet No. 11: Total Permanent Disability Insurance

In the event that you develop an injury or illness that prevents you from working, total permanent disability (TPD) cover or insurance may provide financial support for
you and your family.

What is TPD?

TPD includes serious injury or illness that may render you totally and permanently disabled, making it difficult or impossible for you to work. Different TPD cover providers have different definitions as to what constitutes a total permanent disability. A permanent disability may include the following:

• Loss of limbs, such as arms or legs;
• Loss of vision; or
• Illness or injury that causes a prolonged (more than 6 month) absence from your primary occupation, with no expectation of ever returning to work in your normal capacity. This can include mental illness.

It is important to note that you may not be able to carry on your usual occupation due to TPD. However, a provider of insurance may consider it appropriate to engage in another occupation, rather than not working at all.

Access the full PDF below for a complete guide to Total Permanent Disability Insurance.

This resource is under review following recent changes in the law. It may not be current and accurate.