Total & Permanent Disability

Total & Permanent Disability (TPD) cover is an important aspect of financial protection. Let’s discuss:

• What Is TPD Cover?: TPD cover provides a lump-sum payment if you become disabled and are unable to work again. It also extends to other serious disabling situations, like loss of vision or mobility.
• Emotional Strain and Financial Support: When faced with lifelong disability care, families experience a huge emotional strain. Money would be the last thing you want to worry about during such challenging times. TPD cover can allow for rehabilitation costs, debt repayments, future living and medical expenses, home and lifestyle modifications, among other things.
• Own vs. Any Occupation TPD: An important feature of TPD cover is the ability to cover your ‘own occupation’ or ‘any occupation’.

1. 1. Own Occupation: Under this cover, you’re generally considered totally and permanently disabled if you can’t return to your ‘own occupation’, even if you could potentially work in another occupation.
   2. Any Occupation: With ‘any occupation’ cover, you’re generally considered totally and permanently disabled if you’re permanently unable to work in any occupation that you are reasonably suited to (based on things like your education, training and experience).

In summary, TPD cover can provide peace of mind by helping ensure financial stability during challenging circumstances.