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What does Total permanent disability mean?

Total Permanent Disability (TPD) is a type of Insurance cover, in which an individual is no longer able to work due to injuries. Total permanent disability, also called permanent total disability, applies to cases in which the individual may be unable to work again due to severe injuries.

However, each insurer has a different definition of what it means to be totally and permanently disabled and this is why it is important to understand the policy wording.


Case study: Mrs T was a passenger in a motor vehicle that was involved in a head-on collision. Amongst other injuries, she sustained a burst fracture of her spine resulting in paraplegia. Consequently, Mrs T was unable to continue to work as she now was reliant on care and assistance due to her limited mobility.

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