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What is Total 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

Total & Permanent Disability (TPD) Explained

Total & Permanent Disability (TPD) is one of the specific medical conditions covered under Critical Illness Insurance policies.

The contract will pay out if the claimant is left totally and permanently incapacitated and unable to perform either their occupation or carry out a series of daily activities, such as washing, dressing, writing and climbing stairs.

TPD will apply if the condition the claimant suffers is something irreversible and life changing and not covered elsewhere under the policy.

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 pay out 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.

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 being by far more commonly claimed for conditions.

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.

Sarah provided an excellent and informative service.

Arthur Coates
31/01/2019
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