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Total and Permanent Disability
When the career is over
Let’s have a quick chat. 15 minutes. Free advice. Zero pressure.
Life changes fast.
We aren’t talking about a broken leg or a few months off. TPD is for the serious stuff—spinal injuries, permanent illness, or loss of limbs—that stops you from ever doing your job again.
If the paycheck stops forever, how do you pay the mortgage? How do you afford the wheelchair ramp or the medical specialist? TPD clears the debt so you can focus on your health, not your bank balance.
What the money is for
It’s a tax-free lump sum. You can spend it on anything, most people use it to:
Kill the Mortgage
Clear the debt immediately so you always have a roof over your head.
Modify the House:
Pay for ramps, rails, and renovations to make life accessible.
Create an Income
Invest the lump sum to generate a passive income stream for the rest of your life.
Medical Costs
Cover the rehabilitation and surgeries that Medicare doesn’t.
The Definition Matters.
This is the most important box you will tick. The definition you choose decides how sick you have to be to actually get paid.
Own Occupation (The Gold Standard) If you can’t do your job, you get paid. This is the best protection. If an injury stops you from doing your specific role (e.g., a surgeon who loses a finger), you receive the full payout—even if you are physically capable of working a different, lower-paying job.
Any Occupation (The Basic Option) If you can do any job, you might get nothing. This is the standard cover found in most Super funds. The insurer only pays if you can’t do any job you are reasonably suited for. If you were a Construction Manager but can still work in a call center, they can legally deny your claim. It is cheaper, but much harder to claim on.
Non-Working (Home Duties) For stay-at-home parents. If you don’t earn a salary, you still need cover. This pays out if you are physically unable to perform basic daily tasks (like cooking, cleaning, or showering) or suffer a major loss of limbs or sight.
Structure: Linked vs. Standalone
Should you bundle it? You can buy TPD on its own, or “link” it to your Life Insurance. Here is the trade-off:
Option A: Linked
You bundle TPD with Life Insurance.
The Pro:
It’s cheaper.
The Con:
If you claim TPD, it reduces your Life Insurance by the same amount. (e.g., Claim $500k for TPD, and your Death cover drops by $500k).
Option B: Standalone
You keep them separate.
The Pro:
claiming TPD doesn’t touch your Life Insurance. You keep both safety nets full.
The Con:
The premiums are slightly higher.
The “Buy-Back” Hack
If you choose the cheaper “Linked” option, we can often add a “Buy-Back” feature. This lets you repurchase your lost Life Insurance 12 months after a TPD claim. It’s the smart middle ground.
We don't play favorites.
We aren't tied to a single provider. We make Australia’s top insurers compete for your business to ensure you get the right cover at the right price. Same big brands, just better advice.
What Our Clients Say
“Very professional and easy to work with. Excellent advice.”
“Clear insurance solutions without pressure.”
“Highly recommended for comprehensive cover.”
Frequently Asked Questions
How much cover do I need?
How much cover do I need?
Can I use my Super?
Yes, most people have some basic TPD in their Super. But be careful—Super policies are almost always the stricter “Any Occupation” definition. It’s cheap, but it’s hard to claim. We review it to see if it’s actually worth the paper it’s written on.
Does it cover mental health?
Yes. Permanent mental illness that prevents you from working is a valid claim under most TPD policies.
Secure your future, no matter what.
If the worst happens, make sure the house is paid off, and the bills are gone. Let’s build a plan that works.
