Total Disablement

Total Disablement Insurance

Nobody likes to think about the prospect of being permanently disabled and unable to ever work again in the occupation that they are trained and qualified to do. However, for around a third of New Zealanders this is a reality. Total Permanent Disablement provides a lump sum that can be used to secure future, financial independence.




Arrange an obligation-free call back

What is Total and Permanent Disablement?

The term ‘Total and Permanent Disablement’ refers to never being able to work in one’s occupation as a result of a crippling injury or illness. It relates to:

  1. Not being able to work in one’s own job or another job where the personal skills may be suited

  2. Suffering the loss of limbs or sight

  3. Not being able to perform at least two of the following activities without the physical assistance of someone else like:

  • Bathing and showering

  • Dressing and undressing

  • Eating and drinking

  • Using a toilet

  • Moving from place to place by walking, in a wheelchair, or with a walking aid.


Total Permanent Disablement also applies if you are unable to perform one of the activities noted above, and your intellectual capacity has reduced or deteriorated to such an extent that you require permanent and constant supervision.

Benefits of Total Permanent Disablement (TPD) cover:
  • A lump-sum payment for total permanent disablement due to accident or illness.

  • You can choose to be covered for any occupation or just your usual occupation.

  • If you have Life Cover, a Total Permanent Disablement (TPD) claim can be treated as an early (accelerated) payment of your life cover policy. This benefit can reduce the cost of premiums.

  • There is also a payment of up to $2,500 for professional financial advice to ensure maximum value from the lump sum payout.

Talk to Tony Gill to help determine what level of cover is right for you.