What is total and permanent disability on critical illness cover?

I’m going to get critical illness cover but one thing that I would like more information on Total & Permanent Disability protection to help with my research. Can you explain what this is and should i make sure i have it in my policy?

Question asked by Paul James
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Robert Harvey

Total & Permanent Disability (TPD) explained

Total & Permanent Disability (TPD) is one of around 40 specific medical conditions covered under Critical Illness Insurance policies. The contract will payout if the claimant is left totally and permanently incapacitated and unable to perform either their occupation or carry out a series of daily activities.

TPD will apply if the condition the claimant suffers is something irreversible and life changing and not covered elsewhere under the policy, so for example permanent physical or mental impairment caused because of a stroke, would ordinarily be covered under the stroke definition.

Understanding the different definitions

There are a number of different definitions that apply for TPD, including ‘own occupation’; ‘suited occupation’; ‘any occupation’; and ‘activities of daily living. The best definition is ‘own occupation’ which will payout if the insured is left permanently incapable of carrying out their job, however this is typically only offered to those in lower risk professions. For those in high risk occupations, one of the lesser definitions may apply, or for those not in work it will be ‘activities of daily living’, where the criteria is more stringent and the claimant must be unable to do at least three of six activities, such as walking 200 meters or climb a flight of 12 stairs, for example.

How likely it is you will need to make a claim for TDP

In reality TPD claims represent around 5% of all critical illness claims, with cancer, heart attack and stroke the most commonly claimed for conditions. Around 34% of TPD claims are rejected as well for failing to meet the terms of the definition.

Other options

To truly get comprehensive insurance cover against the risk of being able to work because of a disability it’s often better to look to Income Protection Insurance.

critical illness insurance
 
total & permanent disability
 
medical exclusion
 
income protection
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’ve recently been ill and it’s made me wonder if i should take out an insurance to pay off...
 
I’m looking at taking out critical illness cover to pay off my mortgage should i be too ill to...
 
I’m looking to take out critical illness insurance to pay off my mortgage if i should fall ill....
 
We have just had our first child and have woken up to the fact I have no protection currently should...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Jayant Rampuria
06/10/2018

Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!

James Mclauchlan
05/10/2018

Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!

Raviteja Sajja
02/10/2018

Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1828 Reviews
A Lovell
Overall Rating
Extremely helpful and able to understand the various issues and constraint
D at Inforcehub
Overall Rating
Very knowledgeable and easy to deal with.
A Kanwal
Overall Rating
Bronja Whitlock was absolutely brilliant, as my mind isn’t in the right place at the moment due to the loss of my partner and I forgot who my insurers were or if I was covered. I therefore contacted her from an old email that I had from a few years just explaining my situation. I wasn’t expecting a response to be honest, but Bronja replied back the same day. She didn’t just reply with the most empathising response, but she also contacted the insurance company and told them of my situation and ordered my claim pack on my behalf, which I can’t appreciate enough. Bronja Whitlock you are an asset to your company. Thank you.
R Sajja
Overall Rating
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.
S G
Overall Rating
Rauri has been very professional and has responded promptly to any queries. Very friendly nature too