Total and Permanent Disability


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Total Care Plan (TCP) is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection.

Total and Permanent Disability (TPD) Cover pays a lump sum of up to $5 million if your client is totally and permanently disabled or partially and permanently disabled due to sickness or injury. Features and benefits of TPD Cover inside super vary from outside super.

TPD Cover could be a stand-alone policy, or combined with Life Care, Trauma Cover, Child Cover or Accidental Death Cover.

TPD has three different definitions as defined in the PDS:

  • Own occupation – the insured needs to satisfy us that they’re unlikely to engage in their own occupation ever again. Not available inside super
  • Any occupation – the insured needs to satisfy us that they’re unable to engage in any occupation for which they are reasonably suited by education, training or experience - and are likely to be so disabled for life
  • Domestic Duties - the insured needs to satisfy us that they're unable to perform specified domestic duties and likely to be so disabled for life.


At a glance

  • Pays a one-off lump sum of up to $5 million and can't exceed the Life Care amount
  • Stepped premium type:
    • Minimum entry age 15
    • Maximum entry age 60
  • Level premium type:
    • Minimum entry age 17
    • Maximum entry age 54
  • Cover expiry date will be the policy anniversary date before insured's 99th birthday and changes to Loss of Independent Existence only on policy anniversary before the insured's 65th birthday.
    • Note: Cover expiry date will be the policy anniversary date before the insured’s 75th birthday for Total Care Plan Super
  • For some medical conditions, we will assess the claim from the day the condition is diagnosed (no waiting periods).

Key benefits

  • TPD Cover benefit: we pay a lump sum if the life insured is totally and permanently disabled or a partial lump sum if the life insured is partially and permanently disabled as defined in the PDS
  • Death benefit: if your client has stand-alone TPD Cover and were to die, we pay a lump sum of $10,000
  • Severe Hardship Booster: we double the lump sum paid (up to $250,000) if your client suffers loss of limbs or sight as specified in the PDS
  • Loyalty Bonus benefit: if your client keeps their Life Care cover for over five years, we will automatically increase the TPD payment benefit by 5 per cent at no extra cost
  • Accommodation benefit: we help cover the accommodation costs of an immediate family member who needs to stay nearby if the insured is terminally ill and confined to a bed a long way from home
  • Financial Planning benefit: we pay up to $5,000 to help cover the costs of seeking financial advice after we pay a TPD Cover benefit.

Download the PDS for full list of benefits >

When is a benefit paid?

We’ll pay a TPD benefit if:

  • Your client suffers loss of limbs or sight
  • Your client suffer partial* and permanent disability
  • Your client suffers a day one condition
  • Your client suffers loss of independent existence
  • Your client meets the TPD definition as applicable under your policy (including the definition for domestic duties).

*Partial and Permanent Disability

If your client suffers the loss of one hand or one foot or partial blindness, and their TPD Cover is outside of superannuation, we will pay 25 per cent of their TPD sum insured up to a maximum of $500,000.

Please read the definitions in the PDS to fully understand these benefits.


Grant, an IT consultant was earning $150,000 a year. His financial adviser recommended he put in place a financial plan that included TPD Cover. 

The six years later, during 2019, a truck crashed into Grant's car while he was driving home from work one night. Grant suffered a major head trauma, multiple fractures and a spinal injury which left him a quadriplegic. 

As a result of his injuries, Grant was totally and permanently disabled, as defined in the CommInsure Protection Product Disclosure Statement (PDS). CommInsure paid Grant a lump sum of $800,000 quickly after he notified us of his claim as there was no waiting period for this day one condition. This helped cover medical expenses and rehabilitation care as a result of his paralysis. Importantly, he was also able to pay off his mortgage and modify his home so he could move about more easily.

Imagine the financial consequences for Grant and his family if he hadn’t had TPD Cover?

The examples used are for illustrative purposes only.