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How to Claim Total and Permanent Disablement Insurance

When you rely on your income to pay the bills and support your family, you probably require some form of protection against the possibility that you can’t work because sickness or injury has left you totally and permanently disabled.
Fact Checked

Updated: 19 May 2024

TPD insurance pays out a lump sum benefit in the event of a successful total and permanent disablement claim. However, whether your TPD claim will be successful or not depends on various factors, including the TPD definition that applies to your cover and whether your policy is held inside or outside your superannuation fund.

Read this article to gain clarity on what exactly TPD covers, the steps you must follow when submitting a claim and whether you’ll have to repay the benefit if you are lucky enough to one day return to work.

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What is a TPD claim?

TPD insurance generally pays you a once-off lump sum amount when an accident or illness results in you becoming totally and permanently disabled to such an extent that you cannot perform your Own or Any occupation for at least 3 to 6 months, depending on your insurer and the TPD definition of your policy.

Important: Please consult your policy documents and Product Disclosure Statement (PDS) regarding how your insurer defines total and permanent disablement. Also, be sure to review the exclusions and eligibility clauses.