When it pays
On permanent disability, once the condition is established as unlikely to improve.
Cover for total and permanent disability
TPD
Cover for total and permanent disability.
TPD pays a lump sum if illness or injury permanently ends your ability to work. It is the cover people hope never to need and are most grateful for when they do, because the costs it meets are lifelong rather than temporary.
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What’s covered
The four that carry the weight
Own or any occupation
Whether you are assessed against your own trade or any job at all — a decisive difference.
Sizing the cover
Debt cleared, home modified, and an income stream funded for the years ahead.
Alongside other cover
How TPD stacks with trauma and income protection without paying twice.
How it works
How cover gets arranged
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01
Notification
Lodged once the medical position is understood, since permanence takes time to establish.
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02
Specialist evidence
Reports confirming that the condition is unlikely to improve.
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03
Occupational test
Assessed against your own occupation or any occupation, depending on the policy you hold.
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04
Lump sum paid
A single payment, generally used to clear debt and fund the years ahead.
How a TPD claim is assessed
- Own occupation versus any occupation
- How it stacks alongside trauma and income protection
- Whether it is standalone or accelerated
- The cost of adapting a home or vehicle
- Income needed through to retirement age
The difference between own-occupation and any-occupation is one line in the wording, and it is the line the whole claim turns on.
Questions we get asked
TPD, answered
That you are assessed on whether you can do your job, not any job. It is a materially better definition, and priced accordingly.
Trauma pays on diagnosis regardless of work. TPD pays only when the inability to work again is established, which is a higher bar and a later payment.
Yes, and many people do. Trauma covers the early costs; TPD funds the long term. We size them so you are not paying twice for the same risk.
They solve different problems. Income protection replaces a salary month to month; TPD clears the debt so the salary does not need replacing.
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