Total and Permanent Disability Claims
Total and Permanent Disability or “TPD” benefits are insurance benefits which are paid to individuals who cease work due to injury or illness and are not able to return to work. The policy terms and conditions relevant to each policy providing TPD benefits are different and must be checked.
Some policies require individuals to be unable to return to work that they have done in the past or are qualified to do. Other policies require that the individual not be able to do any work that they have done in the past, that they are qualified to do or work that they could be retrained to do.
No matter what the terms of the relevant policy, TPD benefits provide a lump sum insurance benefit which can provide much needed financial relief and security to those that have been forced out of the work forced by injury or illness.