Total Permanent Disability (TPD) Insurance

Providing for you if you were to become permanently disabled.

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Key features

  • You can apply if you're between 18- 59 years old
  • Lump Sum Payment if you become permanently disabled
  • Cover available up to $2 million
  • No Medical tests required on application
  • Available to purchase via self-managed super funds

What is Total Permanent Disability (TPD) Insurance?

Total Permanent Disability (TPD) insurance provides for you if you were to become permanently disabled due to accident or illness, and are unable to work.

Total Permanent Disability Insurance provides you with a lump sum payment, giving you the means to access the best medical and rehabilitation treatments, and providing you with financial security so you can go on making the most of your life.

You must be employed in a gainful (paid) occupation to apply for TPD.

TPD

What am I covered for under Total Permanent Disability (TPD) Insurance?

You can tailor your cover to suit your individual needs. Your choice of cover will impact the types of events you can claim against.

You can choose all three types of cover, or two or just one. It's up to you.

Accident Cover

You receive a lump sum payment so you can afford support and treatment if you become permanently disabled as a result of an accident (subject to any Special Conditions specified in your Policy Schedule) and cannot work.

What you're covered for:

  • If you are injured in an Accident that has left you Totally and Permanently Disabled and you are unable to work in ANY occupation

    • OR

  • If you are injured in an Accident that has left you Totally and Permanently Disabled and you are unable to work in YOUR OWN occupation

    • What we consider Totally Permanently Disabled differs depending on whether you choose Any or Own occupation.

     

    Examples of disabling Accidental Injuries include:

  • Spinal cord Injury due to a household accident,  such as falling from a ladder or rooftop
  • Loss of two limbs in a transport accident
  • Loss of Sight due to a workplace accident

    •  

    Illness Cover

    You receive a lump sum payment so you can afford support and treatment if you become permanently disabled as a result of an illness (subject to any Special Conditions specified in your Policy Schedule) and cannot work.

    What you're covered for:

  • If you are diagnosed with an illness that has left you Totally and Permanently Disabled and you are unable to work in ANY occupation

    • OR

  • If you are diagnosed with an illness that has left you Totally and Permanently Disabled and you are unable to work in YOUR OWN occupation

    What we consider Totally Permanently Disabled differs depending on whether you choose Any or Own occupation.

    Examples of disabling illnesses include:

  • Neurological illnesses such as Motor Neurone Disease (MND)
  • Vascular disorders such as stroke (resulting in neurological deficit)
  • Organ failure

    • Sports Cover

    If you take up Accident Cover, you can extend it with Sports Cover. This means you’ll receive a payment in case of a disabling incident from sports (subject to any Special Conditions specified in your Policy Schedule).

    What you're covered for:

  • If you are injured as a result of a Sports Injury that has left you Totally and Permanently Disabled and you are unable to work in ANY occupation

    • OR

  • If you are injured as a result of a Sports Injury that has left you Totally and Permanently Disabled and you are unable to work in YOUR OWN occupation

    • What we consider Totally Permanently Disabled differs depending on whether you choose Any or Own occupation.

    Examples of disabling Sports injuries include:

  • Spinal Injury due to accident while playing a sport such as football
  • Loss of limbs due to participating in Water Sports such as jet skiing 
  • A brain injury due to participating in recreational aviation such as hang-gliding or sky diving

    •  

    PDS Download The full details of all conditions and criteria that your diagnosis will need to meet are discussed in detail in the PDS.

    How much will it cost?

    At TAL, we understand that everyone is unique, so naturally your insurance should be too. That's why we've created TAL CoverBuilder to allow you to build your cover, your way.


    With Coverbuilder you can choose your insurance and your cover, tailor your cover amount and select the options that best suit you.

    Get started with TAL CoverBuilder

    GET A QUOTE

    Use our online tool to help you choose cover

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    Total and Permanent Disability Insurance claims by gender and age

    Learn more

    Claims statistics based on total number of Total and Permanent Disability Insurance claims paid by gender and age by TAL Life Limited and Asteron Life & Superannuation Limited between 1 January 2020 and 31 December 2020. Age of claimant based on age at the date of event.
    Line

    What other benefits does Total Permanent Disability Insurance include?

    Total Permanent Disability Benefit

    This benefit provides you with a lump sum Benefit Amount payable if you become Totally Permanently Disabled.

    If you are covered under "Any Occupation",  the term Totally Permanently Disabled means:

    •  You have suffered from Blindness, Loss of limbs, or Loss of a single limb and sight or,

    •  You have suffered at least 25% impairment of Whole Person Function and you are incapacitated to such an extent that you unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience or,

    •  You have not been working in any occupation for 3 months and, are incapacitated to such an extent that you unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience or,

    •  You are unlikely ever to be able to perform at least two of the five Activities of Daily Living without the physical assistance of another person

    If you are covered under "Own Occupation",  the term Totally Permanently Disabled means:

    •  You have suffered from Blindness, Loss of limbs, or Loss of a single limb and sight or,

    •  You are incapacitated to such an extent that you unlikely to ever be able to work in your own occupation or,

    •  You have suffered at least 25% impairment of Whole Person Function and you are incapacitated to such an extent that you unlikely to ever be able to work in any occupation or,

    •  You are unlikely ever to be able to perform at least two of the five Activities of Daily Living without the physical assistance of another person



     

    Total Disability Benefit

    Total Permanent Disability Benefit

    This benefit provides you with a lump sum Benefit Amount payable if you become Totally Permanently Disabled.

    If you are covered under "Any Occupation",  the term Totally Permanently Disabled means:

    •  You have suffered from Blindness, Loss of limbs, or Loss of a single limb and sight or,

    •  You have suffered at least 25% impairment of Whole Person Function and you are incapacitated to such an extent that you unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience or,

    •  You have not been working in any occupation for 3 months and, are incapacitated to such an extent that you unlikely to ever be able to work in any occupation for which you are reasonably suited by training, education or experience or,

    •  You are unlikely ever to be able to perform at least two of the five Activities of Daily Living without the physical assistance of another person

    If you are covered under "Own Occupation",  the term Totally Permanently Disabled means:

    •  You have suffered from Blindness, Loss of limbs, or Loss of a single limb and sight or,

    •  You are incapacitated to such an extent that you unlikely to ever be able to work in your own occupation or,

    •  You have suffered at least 25% impairment of Whole Person Function and you are incapacitated to such an extent that you unlikely to ever be able to work in any occupation or,

    •  You are unlikely ever to be able to perform at least two of the five Activities of Daily Living without the physical assistance of another person



     

    Cover Pause

    Cover Pause

    You can pause your Cover for up to three months in the event of financial hardship. During Cover Pause you will not have to pay premiums.

    At the end of the Cover Pause period, you can re-start Cover without needing to go through the health and lifestyle assessment again.

    Once your Cover is restarted by paying your premium, a qualifying period of three months will apply for some medical conditions.  You’ll be eligible to claim for those conditions should they occur three months or more after you re-start your Cover.

    You will not be eligible to claim should you become ill or injured during the qualifying period or during the period your Cover is paused.

    See PDS for further details

     

    Future Life Events

    Future Life Events

    Future Life Events means you can increase your TPD benefit amount when specific life events occur, for example, getting married. This increase is not subject to the Health and Lifestyle Assessment.

    Some examples of applicable life events include:

    • You get married or divorced
    • You or your spouse become a parent through birth or adoption
    • Your child starts secondary school
    • You take out or increase a mortgage on your home

    See PDS for further details

     

    Premium Relief (optional extra)

    Premium Relief Option  (optional extra)

    This option can be added to your policy at an extra cost.   It is currently only available when you apply over the phone.

    If you are between 18 and 59 when applying, you can add Premium Relief to your TPD Insurance for an additional premium.  If you are covered under this option, we will waive your TPD Insurance premiums if you are unable to work for at least three consecutive months due to Illness or Accident.

    To qualify for the Premium Relief Option you will need to be:

    • Totally unable to work in any occupation that you could be considered suitable for by training, education or experience;
    • Not earning an income; and
    • Following the advice of a Medical Practitioner

    See PDS for further details

     

    Life Buy Back (optional extra)

    Life Buy-Back Option

    This option only applies if you have bundled your insurance, and can be added to your policy at an extra cost.   It is currently only available when you apply over the phone.

    If you have chosen to Bundle your TPD Insurance with your Life Insurance, if a claim is paid for TPD Insurance, your Life Insurance Cover amount will reduce by the same amount.

    However, for an additional premium, you can have the option to Buy Back any Life Insurance that has been reduced after payment of a full claim on your Bundled Recovery Insurance – up to the equivalent of the claim amount paid. 

    This increase in Cover is not subject to the Health and Lifestyle Assessment.

     

    What important details do I need to know?

    What’s not covered:

    You will only be covered for the events listed under the Cover type you choose. Eg, if you choose only Accident Cover, you will not be covered for any events listed under Illness Cover or Sports Cover

    Regardless of the cover types you choose the following applies:

     -   No payment will be made under TPD Insurance if the event giving rise to the claim is caused directly or indirectly by suicide or attempted suicide for the first 13 months.

     -   If your TPD insurance is Standalone (i.e.  not bundled with other insurance products) , no payment will be made under TPD Insurance unless you survive for at least 14 days after suffering the Illness or Injury that directly or indirectly caused the Total Permanent Disability.

     

    Cover Start and End Dates

    Once your application is accepted by us your Cover continues until the Policy Anniversary prior to you turning 65 or 100 if you have Bundled TPD with Life Insurance as long as you have complied with the Duty of Disclosure and paid the premiums when due.

    The continuation of your policy is guaranteed regardless of any change in your health or personal circumstances.

    At age 65, if TPD is Bundled with Life Insurance, the definition of TPD under either Own or Any Occupation reverts to Activities of Daily Living.  See the PDS for more information.

    Your Cover will end when the full Benefit Amount is paid, Cover is removed from your Policy, Cover is cancelled through non-payment of premiums or when Cover expires prior to the policy anniversary at age 65, or 100 when Bundled. There may be other reasons Cover may end. Please see the PDS for more details.

     

    What's not Covered

    What’s not covered:

    You will only be covered for the events listed under the Cover type you choose. Eg, if you choose only Accident Cover, you will not be covered for any events listed under Illness Cover or Sports Cover

    Regardless of the cover types you choose the following applies:

     -   No payment will be made under TPD Insurance if the event giving rise to the claim is caused directly or indirectly by suicide or attempted suicide for the first 13 months.

     -   If your TPD insurance is Standalone (i.e.  not bundled with other insurance products) , no payment will be made under TPD Insurance unless you survive for at least 14 days after suffering the Illness or Injury that directly or indirectly caused the Total Permanent Disability.

     

    Cover Start and End Dates

    Once your application is accepted by us your Cover continues until the Policy Anniversary prior to you turning 65 or 100 if you have Bundled TPD with Life Insurance as long as you have complied with the Duty of Disclosure and paid the premiums when due.

    The continuation of your policy is guaranteed regardless of any change in your health or personal circumstances.

    At age 65, if TPD is Bundled with Life Insurance, the definition of TPD under either Own or Any Occupation reverts to Activities of Daily Living.  See the PDS for more information.

    Your Cover will end when the full Benefit Amount is paid, Cover is removed from your Policy, Cover is cancelled through non-payment of premiums or when Cover expires prior to the policy anniversary at age 65, or 100 when Bundled. There may be other reasons Cover may end. Please see the PDS for more details.

     

    Definition of ANY or OWN Occupation

    Definition of ANY or OWN occupation

    With TPD Insurance, you can choose whether you want to be insured under one of two options:

    ANY occupation

     If you become totally and permanently disabled and cannot work in any capacity in ANY occupation based on your previous education, skills, training or experience.



    YOUR OWN occupation

     If you become totally and permanently disabled and cannot work in any capacity in your own field of work in which you specialise and for which you are trained.

    Health & Lifestyle Assessment

    Health & Lifestyle Assessment

     When you apply for TAL Lifetime Protection, you will be asked a number of questions related to your health and lifestyle. You can answer these online or over the phone. No medicals are required when you apply.

    By agreeing to the Duty of Disclosure you have agreed to be honest and accurate in your answers to these questions.

    Your answers to the questions may mean that you have increased risk factors under the Policy.

    Loadings & Exclusions

     In some cases we will be unable to provide you with all or some parts of the Cover for which you have applied.

    In other cases, Cover may be subject to conditions such as a Premium Loading, or an Exclusion.

    A Premium Loading will mean that you pay a higher premium for the Cover.

    An Exclusion will mean that you will not be Covered if you suffer a specified excluded medical condition, or you are injured as a result of participating in an excluded pastime or activity.

    Tailoring your plan

    Choosing a Premium Structure
    You have the choice of Stepped or Level Premiums. Your choice will impact your monthly premium, and how your premium increases each year. Learn More


    Inflation Protection
    Inflation Protection automatically increases your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly. Find out more 

    Future Life Events
    If a specific life event happens, for example getting married or having a child, you can easily update your TPD Insurance cover. Find out more 

    Bundling your insurance:
    If you have Life Insurance with TAL, and have added TPD or Recovery Insurance to your plan, you have the option to keep each insurance independent from each other within your plan, or Bundle them together. Learn More

    Cover Pause
    In case of financial hardship, you can pause your cover for up to three months. You won’t pay premiums but you also won’t be covered. It’s easy to switch on your cover again. (This can only be set up over the phone). Find out more 

    Claims at TAL

    Every claim we pay is a promise kept

    In 2020, we paid $2.7 billion in claims to 36,901 customers and their families. That’s equivalent to over $45 million a week.

    People often think claims are all about payments to families when a loved one passes away. And of course, that's part of what we do. But 68% of all the claims we paid last year were to help customers keep living the lives they love, after an accident or illness. 

    Learn More

     

    Your guide to making a claim

    When things go wrong with your health, or the health of a loved one, you may find yourself doing many things for the first time. It’s sometimes tricky to know where to start and it can feel overwhelming. We’re here to support you to make your claim as easy as possible.

    If you need to make a claim with TAL, you’ll be assigned a dedicated claims consultant. They’re there to understand your situation and what they can do to support you when making a claim. 

    Learn More

     

     

    Why choose TAL as your TPD Insurance provider?

    Australia's leading life insurer
    TAL is a leading Life Insurance specialist
    TAL Customers
    Trusted by 4.5 million Australians
    Commitment to Claims
    $2.7 billion in claims paid in 2020


    What other insurance can I include in my TAL Lifetime Protection Plan?

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    2021 © TAL Services Limited a Dai-ichi Life Group Company.

    "TAL is Australia's leading life insurer" based on Inforce premiums for risk only life insurance policies, NMG Consulting (2021).

    The information provided on this website is general advice only and does not take into account your individual needs, objectives or financial situation. You should read the relevant Product Disclosure Statement (PDS) before making a decision to purchase or continue to hold a product. Life insurance issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848.