What is total and permanent disability insurance? 

Total and permanent disability insurance exists to provide financial support (usually a lump sum payment) , if you suffer any injury or illness that permanently prevents or disables you from returning to your job.  

Each total and permanent disability insurance policy (TPD) is different. Different policies have different definitions of ‘what is total and permanent disability’, and the circumstances in which they will make a lump sum payment. 

Depending on the terms of your policy, total and permanent disability insurance covers you for being unable to work in: 

• The job you had before your disabling injury or illness 
• Any job you’re suited to because of your experience, training, or education 

What is a TPD claim?

A TPD claim is when you claim against your total and permanent disability insurance, because of your permanently disabling injury or illness. The injury or illness doesn’t have to be work-related. Your TPD claim can be due to, for example:  

• Cancer 
• A heart attack 
• Chronic illness 
• A physical injury sustained anywhere – at home, playing sport, on the road or at work 
• A mental illness, in certain circumstances 

What is Total and Temporary Disability Insurance (TTD insurance)? 

TTD insurance is payable while you’re temporarily totally disabled from working because of your injury or illness. This type of insurance can be helpful if you’re temporarily unable to work in your usual role, or are working reduced hours because of the impact of your injury or illness. 

However, it’s important to note that TTD insurance payments are for a limited period of time. 

Can I make a Total and Permanent Disability claim?

You can make a TPD insurance claim if your injury or illness means you’re permanently prevented from working in your usual job, or in any other role that you’re suited for (because of your experience, training or education). 

A TPD claim lawyer, can help ensure that you secure the maximum compensation you’re entitled for your total permanent disability claim.  

Our TPD claim lawyers can also help you to navigate the process so you’re able to focus on the needs of your injury or illness. At Stephen Browne Personal Injury Lawyers, we’re committed to assisting you in achieving the best outcome for your total and permanent disability claim.  

Why Do Our Clients Choose Us?

No matter your circumstances or when you lodged your total and permanent disability claim, Stephen Browne Personal Injury Lawyers are committed to helping you achieve the best insurance outcome.