Total and Permanent Disablement occurs when you will not ever be able to return to your usual occupation (the type of work you are qualified by training, education and experience to perform) due to an illness or accident. Permanent disability often results in a dramatic lifestyle change with increased expenses due to medical and hospital costs, and an income that has decreased or totally ceased. This type of cover can help you meet your medical costs and maintain your family’s quality of life.

Ken Filbey Financial Services can help you choose the most appropriate type of coverage for you from the options available. For example, you can apply for a Total and Permanent Disablement policy that covers you for ‘any occupation’, where you will be able to claim if you cannot return to ‘any’ occupation you are reasonable suited to by education, training or experience. Another option is to apply for a TPD policy that covers you for your ‘Own Occupation’, meaning they will pay out if you cannot return to your specific current occupation for which you are trained (for example, a surgeon, teacher, fitter & turner or other specific occupation). Your Ken Filbey Financial Services adviser can help you choose the most appropriate option for your circumstances and budget.