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“The easiest way to compare insurance and save up to 40%.

And it’s free!”

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Total and Permanent Disability Insurance Protects You in the Face of Being Totally and Permanently Disabled From Injury or Illness

Here at Insurance Focus, we understand how important it is to prepare for any of life’s misfortunes. Total and Permanent Disability Insurance (TPD) or Disablement Insurance is designed to help you financially should you suffer from an injury or illness which leaves you totally and permanently disabled.

This type of massive lifestyle adjustment can be hugely expensive. However, if you are insured through Insurance Focus; you need not worry anymore. Often, those who have needed to claim this insurance have used it to cover the costs of rehabilitation, debt repayments and help fund their future cost of living. It has also been used to fund permanent lifestyle changes, such as modifications to your home.

So what do you need to know about TPD? It is important to clearly understand the definition of what a ‘total and permanent disability’ is, as this can change depending on the product or policy you choose.

Most insurance companies allow you to choose what areas you want coverage against, such as if you are unlikely to be able to work again in your 'own occupation’ after suffering from an illness or injury, or if you are to be able to work again in 'any occupation’ following an illness or injury. Put simply, this means there are types of coverage for if you are not able to work again in your usual occupation, or in any occupation. It is important to note that not being able to work for a year is not considered ‘permanently disabled’, so make sure you ask lots of questions before you select a Disablement Insurance policy.

At Insurance Focus our experienced team of licensed financial advisers has your best interests in mind, so you can stop worrying about the “What IFs” and start feeling secure about your future, no matter what happens.

Contact Insurance Focus today and get the best policy for you and your family!

Speak with a Insurance Focus financial adviser today.

You’ll receive the best income protection, trauma insurance, total and permanent disability insurance or life insurance advice available.

We offer Free Insurance Quotes with no obligation to sign up for an insurance policy.

GET A FREE QUOTE

No “What IFs”.
Protect your family should you become totally or permanently disabled.

Total and permanent disablement (TPD) insurance pays you a lump sum amount if you suffer a serious illness or injury that leaves you unable to ever work again. A TPD policy can provide financial assistance for a range of expenses. It can be used to cover your mortgage repayments, pay for medical expenses that have arisen as a result of your disability as well as provide ongoing financial support for your family.

There’s a good chance you already have Total and Permanent Disablement Insurance or even Life Insurance, but it’s important to find out what insurance you have. You may discover that you’re well covered or have too much cover. To find out, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

happy woman who has permanent disablement insurance

If you have a super fund, then the chances are you already have TPD insurance inside. Super funds that have been organised by employers are required to offer at least a minimum level of life cover.

To find out if you already have disablement insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

man looking for a permanent disablement insurance quote

Total and Permanent Disablement Insurance or TPD cover is designed to protect you if a disability leaves you unable to work ever again. There are 4 types of TPD insurance covering different purposes:

  1. Own occupation
  2. Any occupation
  3. Home duties
  4. General cover

An Insurance Focus financial planner will be able to help you choose which TPD cover best suits your individual needs.

To be eligible for a benefit payment, you will need to meet the specific criteria of your chosen TPD insurance at the time of claim. Before you apply for Total and Permanent Disablement Insurance, ensure you understand all the criteria you must meet in order to receive a payout because each insurer defines total and permanent disability differently.

happy couple covered by permanent disablement insurance

The amount of cover you will need depends upon both your family and financial situation. As a basic guide, a TPD policy may be used for:

1. Replace lost of earnings
2. Repay your mortgage or any debt
3. Help fund Immediate and ongoing medical needs
4. Assist in home modifications

There’s a good chance you already have Total and Permanent Disablement Insurance or even Life Insurance, but it’s important to find out what insurance you have. You may discover that you’re well covered or have too much cover. To find out, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

Happy woman who has permanent disablement insurance

To find out if you already have does total and permanent disablement insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

A licensed financial adviser from Insurance Focus will help you understand the different options available plus find you a suitable trauma insurance policy that provides you with adequate cover. Quotes from Insurance Focus are provided free of charge and there is absolutely no obligation to sign up for a policy.

man looking for a disablement insurance quote

Step 1

Call

You or your nominated beneficiary (which could be your next of kin or the executor of your Will) simply call Insurance Focus on 1300 998 993.

Or Email

Email claims@insurancefocus.com.au to let us know that you will be lodging a claim.

Step 2

Speak to an Adviser

Your dedicated Insurance Focus financial adviser will contact you to take you through the claims process

Step 3

Complete Forms

Complete all forms provided by your Insurance Focus financial adviser and return them with all required documentation to:

Insurance Focus
PO Box 449,
Osborne Park,
WA 6917

Step 4

Insurance Focus will do the rest.

All valid claims will be assessed once the necessary completed documents are received and paid without unnecessary delay.

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Personalised Insurance Advice

Get a personalised insurance policy from a licensed financial adviser and ensure you’re adequately protected from financial worry at no extra cost.

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Price Guarantee

You won’t pay extra with Insurance Focus as there are no added fees – It’s the same as going direct. Plus, we’ll also compare life insurance policies from all of Australia’s leading insurers for free!

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Free Policy Review

Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.