TOTAL PERMANENT DISABILITY (TPD)

It is not only the death of the primary wage earner in the family that can create massive financial problems for families. Having a serious accident or being diagnosed with a health condition can be completely devastating both emotionally and financially.

Total Permanent Disability Cover (TPD) can help protect you against this unfortunate possibility.

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KEEP YOUR INCOME SECURE IN THE LIGHT OF SUDDEN CHANGE

WHAT DOES TPD COVER?

Generally speaking TPD covers you when you are unable to work in your role (or one you are trained, experienced or qualified to carry out) because of sickness or a physical injury which incapacitates you.

WHEN DOES A TPD POLICY PAY OUT?

The policy pays out a cash sum if you become totally and permanently disabled due to physical injury or illness. As such TPD can help alleviate the financial burden of everyday bills such as existing debt, credit cards and mortgage payments.

HOW COULD TPD COVER HELP ME?

There might also be an element of specialist care required in order to offer the individual a decent quality of life as well the additional costs related to the injury or health condition-medication, physiotherapy, mobility aids or house adaptations.

Sometimes a proportion of the payout can also be used for education or training costs of the spouse of the injured so they can enter the workforce. It could even be used to help them start a home business so the spouse can stay home and care for their disabled spouse whilst still being able to earn an income.

CONTACT US TO DISCUSS YOUR NEEDS

Contact IAE Insure today and speak with one of our insurance specialists to see how we can help you understand how this type of policy could benefit you and your needs.

Total Permanent Disability

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To learn more about Total & Permanent Disability cover and other insurance options from IAE Insure, you can request a free call back to speak with one of our policy experts.

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