Total permanent Disability also known as TPD which pays lump sum benefits in the event of you become totally and permanently disabled and are unlikely to work again. Total permanent disability can be taken for your own occupation and any occupation. Total permanent disability can happen due to any illness including mental health or due to any bodily injury.
If you suffer total and permanent disability which means you won’t be able to work again. Total and permanent disability insurance amount is limited to maximum $5 million for certain professional occupations such as Surgeons, accounts and Solicitors.
Major proportion of Total and Permanent disability claims consist of Musculoskeletal reasons, mental health disorders, Nervous system disease, accidents/injuries, different cancer conditions, heart attack, stroke, circulatory system disease and due to other reasons.
People who we helped say that after my accident, I was devastated to find out I could never go back to work. While my life won’t be the same, at least the money I received means my bills will be paid.