Help about: If you require TPD, which level would you like it on?
Generally insurers won't pay a claim for a total permanent disability but this can be covered for an additional premium. Total Permanent Disability (TPD) is that disablement is expected to last throughout the insured person's life and is deemed as irreversible. Depending on the selection, assessment then consider if someone can ever do their own occupation again, a suited occupation ever again or an activities based assessment e.g. unable to perform defined activities without the assistance of another person