Total & Permanent Disability (TPD)
Terminal and Permanent Insurance Claim (TPD)
You have become totally and permanently disabled through illness or injury unable to work again.
Submitting Terminal and Permanent TPD claims can be fraught with stress, complicated paperwork and sometimes lengthy time periods.
In the event that you have been injured or have an illness and are no longer able to work, you may be eligible to lodge a Total and Permanent Disability claim.
You may be able to make a TPD claim even if you have received workers compensation or income protection payments. Insurance Claims Solutions can assist you with this.
Depending on your particular product & insurance policy, the definition of ‘Total and Permanent Disability’ may vary, depending on the particular product and insurance policy.
Trauma Insurance Cover (TR)
Trauma Insurance Cover (TR)
You have been diagnosed with a specific medical illness such as a stroke, heart attack or cancer.
Trauma Insurance Cover claims (also known as critical illness insurance) can provide you with a lump sum payment in the event you suffer from a serious medical condition which is not deemed terminal (at the time).
Common conditions include Heart Attack, Stroke and Cancer.
However, there is a long list of potential trauma conditions that you may also be able to place a claim for (view list here), depending on your Insurance Policy.
For example: Kidney Failure, Major Head Trauma, Paralysis, Chronic Liver Failure, Major Burns, Major Organ Transplant and Multiple Sclerosis (MS).
Trauma Insurance Cover is not provided by a superannuation fund, however it is generally taken out by an individual person.