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  • Stephen Roddy

What is 'TPD' Total Permanent Disability on critical illness cover?

Total Permanent Disability is a phrase used in the insurance industry and in law. Generally speaking, it means that because of a sickness or injury, you're unable to work in your own or any occupation for which you are suited by training, education, or experience.


  • A person will likely not qualify for total permanent disability benefits as long as there are additional, curative treatment options available, or a doctor thinks they may improve over time.


  • Total permanent disability (TPD) is a condition in which an individual is no longer able to work due to injuries.




It’s a benefit that pays out an agreed sum of money if you have an illness or injury that means you’re permanently incapacitated.


Some insurers define total permanent disability by how it impacts your work and daily life. Whether you qualify for a payout depends on the disability, and if it’s included in your policy.


An example of TPD was a surgeon who developed carpal tunnel, the surgeon was unable to work in his own occupation in which he was trained and qualified, because of this, the TPD made a settlement and paid out a lump sum.

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