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Total and Permanent Disability Insurance – (Also known as TPD)

Total and permanent disability cover (TPD) is a policy that pays you a pre determined lump sum, for example, $1 million, in the event of being totally and permanently disabled and not able to work.

» Pay off debts in the event of becoming disabled.
» You can obtain the best surgery, rehabilitation and medicine required.
» You can make modifications to your home if required such as ramps, or hand rails.
» Reimburse you and your family for loss of income.
» Can be bundled into Trauma and Life cover at a discount.
» Can be structured to be tax deductable if you are self employed.

Suffering an accident, illness or disease and surviving can cost more financially than if you were to pass away. If you were to become disabled, there are many associated ongoing costs that people just don’t realise. There are thing such as home modifications, rehabilitation including therapies like physiotherapy, and home care. This is on top of a loss of income for the disabled person and the partner who needs to care for them.

Other important things to consider are if you have Own Occupation or Any Occupation rating. Each insurance provider has slightly different wording for these definitions so you need to discuss with your adviser which is appropriate at the time. Generally the Own Occupation Definition if you can get it, is the better option because it covers more situations.

Should my TPD cover be Inside or Outside Superannuation for Self Employed people? This is something else that should be discussed with your adviser. Sometimes the laws change so you need up to the minute information. Check if your premiums can be tax deductible if you are self-employed.

Lifelong Insurance Solutions

Ground Floor
11 Business Park Drive
Notting Hill Vic 3168
Phone: 03 9544 8222
Fax: 03 9544 5310
Email: info@lifelonginsurance.com.au

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