Protection if you’re unable to work with Total and Permanent Disablement Cover

Total & Permanent Disablement (TPD) Insurance provides you with cover should you be unable to work as a result of disability. TPD Cover will provide you with a lump sum payout if you are to become totally and permanently disabled. How would you and your family cope if you were no longer able to work and meet your ongoing expenses? How would you meet your retirement goals without the ability to generate an income?


TPD Cover is often added as an inexpensive ‘rider’ to an existing life insurance policy and for Australians, can be covered without your superannuation fund.  This can provide peace of mind and certainty that your long-term financial goals would not be disrupted should an unforeseen event occur. You’ll be entitled to the insurance payout when you are unable to meet at least 3 out of the 6 activities of your daily living which include the following:







Why You Need Total and Permanent Disablement Insurance

  • Wide Range of Cover: It covers most illnesses and injuries resulting in you not being able to work
  • Monthly Payments: Receive monthly payouts until you’re able to work again
  • Stay on Track: Avoid unnecessary disruptions to your savings and retirement goals
  • Utilising Superannuation: Your TPD cover premiums can be paid for by your superannuation.
  • Own or Any Occupation: Choice of structuring your TPD insurance policy
  • Lump Sum Payment: To meet your outstanding liabilities and ongoing expenses.

Case Study – The Value of Total and Permanent Disablement Insurance

Total and Permanent Disablement Insurance Case Study - Australian Expatriate Group - Fee-Based Financial Advice for Australian Expats

The Situation

Aaron & Louise are currently 54 and 48, living in Singapore with their two children, Michael who is 19 and Chelsea who is 16. Aaron currently works as a GP in one of the medical practices in Singapore and Louise works part time as a consultant. The couple plans to return return to Brisbane in 5 years’ time and retire there, once the kids have left home, and build their ‘dream home’ on the beach. The couple met with our team 2 years ago to ensure that they had adequate Total & Permanent Disablement cover should an incident occur.

The Solution

We worked with Aaron and Louise to ensure that they had the right amount of TPD cover in place to ensure that they would clear any outstanding debts, complete the construction of their dream home and meet their ongoing expenses through to retirement. We were able to review a range of providers and arrange their insurance policy with a top provider for a reasonable premium.


One weekend, while doing some work around the house, Aaron fell from a ladder. He suffered a fractured knee, broken ribs, head lacerations and a concussion, as long as fracturing his vertebrae. Aaron received confirmation from the medical specialist that while he may be able to perform some work again, he would not be able to return to medicine. We therefore assisted him to make a claim for his TPD policy which was granted and he and his family received the lump sum. This enabled them to fund the building costs for their dream beachfront home, pay for their children to attend university and ensure a steady retirement income.

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