Total & Permanent Disability - TPD 


If you can't work and are unlikely to ever return to work again due to sickness or injury Total & Permanent Disability cover - TPD -  will pay you a lump sum.   If you add TPD cover onto your death cover you will have better protection than just death cover alone.  


There are several definitions of TPD available:


Own Occupation - this is the most comprehensive definition available as it will pay if you are unable to do your own job.  Most occupations qualify for this definition


Any Occupation - will pay if you are not working and  unlikely to return to any job that you might be suited to by previous training, education or experience


Non Occupational - for certain 'high risk' occupations or people not working this definition will cover you  if you are unable to perform some of the daily activities of living such as bathing, feeding yourself & mobility.



This information (including taxation) is general in nature and does not consider your individual circumstances or needs.  Always seek professional advice before making a decision and consider a Product Disclosure Statement. Information is for Australian residents only.  Anita Muecke trading as AVA Insurance Consulting Group is an Authorised Representative of Lifespan Financial Services AFSL 229892. To view contact details & Financial Services Guide please click here and Lifespan Privacy Policy please click here.



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