)
TPD cover pays an agreed amount if you are unable to work ever again, due to an accident, injury or illness. You normally have to survive such a catastrophe for six months before the insurer will make payment.
We help you understand and decide on important details, such as how being unable to work is defined and the tax treatment of premiums payments and pay-outs so you can structure your cover exactly the way you want it.
The value of this type of cover is to clear debts and the mortgage, make structural changes to your home if your condition requires it, or fund ongoing medical treatment and respite care to make your changed circumstances as comfortable as possible.
