Total & Permanent Disability
Most common TPD claims
There are two types of TPD claims, these are “Any Occupation” or “Own Occupation” TPD insurance, which you choose at the time of selecting your policy. The definitions of these are:
Any Occupation TPD Insurance:
One common TPD claim is an “Any Occupation” claim. This is when, due entirely to an illness or injury, you have been unable to work in any occupation for which you have suitable training, experience, education and which meets your skillset. Sometimes any occupation TPD looks at whether or not you have lost a quarter of your “whole person function” and after being considered by a medical professional have not engaged in any occupation. You are considered TPD in regards to any occupation if you have lost a limb, part of a limb or are now blind. You are also considered totally permanently disabled in any occupation if you had been able to complete domestic duties prior to your injury or illness however, now you are unable to do so.
Own Occupation TPD Insurance:
The other common TPD claim is an “Own Occupation” claim. This is when due entirely to an illness or injury, you have been unable to work in any occupation for which you have suitable training, experience, education and which meets your skillset. Again, you are considered TPD in regards to your own occupation if you have lost a limb, part of a limb or are now blind. You are also considered totally permanently disabled in your occupation as well if you are unable to perform at least two five Activities of Daily Living (ADLs) without the assistance of someone else, these include self-care, communication, physical activity, sensory function, hand functions. You are also considered totally permanently disabled in your own occupation if you had been able to complete domestic duties prior to your injury or illness however, now you are unable to do so.
Common types of TPD claims for both Own Occupation and Any Occupation TPD include:
Cancer: a common TPD claim cancer can be debilitating. From terminal cancers, to more on-going cancers, the treatment of the disease as well as the disease itself can leave you unable to complete your regular duties in your own occupation or any occupation.
Heart attack: a common TPD claim, heart attacks or heart disease can weaken you to the point where you are no longer able to complete simple self care tasks and find yourself bedridden.
Stroke: a common TPD claim strokes can cause the permanent inability of you to use your arms, legs or lose your ability to speak and communicate. This can result in you unable to complete many of the activities of daily living which then render you totally and permanently disabled.
Loss of senses: a common TPD claim can be the loss of senses such as your ability to see or hear. Whether as the result of a stroke, cancer, or an accident like a workplace incident or car accident, your loss of vision or hearing can mean you are no longer able to work or live independently
Loss of a limb: Whether it is the result of an industrial accident or a car accident, another common TPD claim is the loss of a limb or part of a limb. This can severely impact on your ability to operate machinery or even care for yourself and your family.
Anxiety: Mental illness TPD claims are a common TPD claim. Anxiety can result in agoraphobia, an irregular heartbeat and breathing difficulties causing you to be unable to work or function regularly.
Depression: Another common TPD claim depression can be debilitating to the point where you are no longer able to get out of bed or complete simple tasks like dressing yourself or bathing. This can result in TPD.
PTSD: Mental illness TPD claims are becoming one of the most common TPD claims. PTSD is a common TPD claim for those who have been in the military or experienced traumatic life events. PTSD can cause flashbacks to the traumatic event, lead to irritability and the inability to sleep which can severely impact on living a normal life and being able to work.
Infectious disease: Terminal infectious diseases as well as on-going diseases are common TPD claims and can include anything from HIV/AIDS to Tuberculosis and Malaria. These can be debilitating to the point where you can no longer care for yourself or work.