Dealing With Total Permanent Disability


Total permanent disability is a frequently used phrase in the insurance sector. TPD refers to a medical condition that results in the incapability of a  person to work in the position and capacity that the person used to, prior to the medical condition.

It means that his disability is so severe that the person is unable to work in any capacity. Such a person can be insured against disability. A general definition of TPD includes loss of eyes, arms or legs and the absence of the ability to work as a result of the injury or illness.

Being a total permanent disabled, if you want to insure yourself, you will have to submit your medical report confirming your medical status. By insuring yourself, you can get some payment on a regular basis. This amount may be of great help for you as you could use it for your personal expenses or to meet your extra expenditure.

Once you claim for the disability benefit, the insurer would assess your claim on the basis of the definition of TPD, as per their regulations. Life insurance is also offered with the TPD insurance. Your premium for this insurance will depend on your age and sex. Apart from that, your medical history and profession are also taken into account.

According to the regulations of the TPD insurance you will be paid as long as you are totally disabled. The payment will be a particular percentage of your average weekly remuneration.

Thus, permanent disability is not only a medical question but also an economic one. There is also a separate provision for the insurance of TPD incurred at the workplace. But, this kind of insurance is usually subsidized by the employer and it is done for a group of at least 10 members. Also, the group insurance may not be available for some industries which are hazardous. Sometimes, the insurance is voluntary and in that case the evidence of health status will have to be provided sincerely before you get the insurance coverage.