Total and Permanent Disablement

TPD Insurance or Total & Permanent Disability Insurance provides a lump sum in the event that the person insured becomes totally or permanently disabled. The cover is designed to help discharge any outstanding debts or commitments you might have, help with your ongoing living expenses and help pay for medical costs while you are disabled. This type of cover is usually combined with Term Life or Trauma insurance.

The amount of disability cover required varies on the amount of debt you and/or your family may have.

Are there different Types of TPD Insurance?

There are currently four main types of total and permanent disability cover available. These are:
  • Own occupation – Is where the insured is unlikely to work in their own occupation for the remainder of their working life.
  • Any occupation – Is where the insured is unlikely to work in their profession, business or similar occupation to which they are qualified or fitted by education and experience for the rest of their life.
  • Home duties – are where the insured is unable to engage in any normal domestic duties for a continuous period of at least three months.
  • Modified – This is where the insured is permanently and totally unable to perform without physical help from a carer or helper. It would also apply where they suffer a cognitive impairment requiring permanent and constant supervision and has been disabled for 3 preceding months and will continue to be disabled in the future.

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Enquire about our comprehensive Life Insurance and Income Protection options. Please contact a Knight Management Services representative to discuss your details further.
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