What is Total Permanent Disability cover?

Total and Permanent Disability cover or TPD can be added to some life insurance policies and most critical illness or critical life policies.

It can be used as a safety net for critical illness policies by covering any condition that irreparably harms the policyholder and prevents them from performing certain tasks:

Either 3 out of the five acts of daily living – Washing, eating etc
Or continuing your current occupation.

‘Own occupation’ TPD is more expensive than ‘Acts of daily living’ TPD and is also more likely to pay out.

TPD is usually part of a comprehensive critical illness policy, but it may also be added to some contracts.

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