What is a Total & Permanent Disability (TPD) Claim, & How to Get Paid

What is a Total & Permanent Disability (TPD) Claim

Total and Permanent Disability (TPD) Claim might have varied definitions from place to place and even providers. The standard situation for in which one can is liable for compensation on TPD is where the claimant is unable to gainfully work as a result of illness or injury, help paid employment before and has an active account with the insurer.

In a typical scenario, TPD cover provides a lump sum payout upon permanent disability and where one is no longer able to work. It can provide you and your dependant’s funds to live on thus helping in medical expenses, mobility aids, and structural adjustments among other needs.

It is worth noting that there it is common to see insurers ensued in legal battles with clients resulting from a lack of clarity on TPD policies:

What you should know

Depending on the policy you hold, TPD may offer you the following:

Accident Cover:

If you incur TPD as a result of an accident and upon the fulfillment of other legal requirements, you are legible for compensation. For instance, if you injure your spinal cord so badly that you are no longer to move or work properly, you will be legible for compensation once due procedures have been followed.

Illness Cover:

If an illness put you down such that you are no longer able to work or engage in gainful employment, you are can also qualify for TPD compensation.

In order to asses’ disability, a number of steps are followed:

  • Assessing the level of disability:

Although some insurers will require only a minimum level of disability, there are several aspects related to this assessment such as whether you are likely to return to work or whether you have lost a limb or eyesight.

Other tenets of TPD assessment include “Any” and “Own.” Any refers to a situation where you are unlikely to ever be able to engage in gainful work suited to your education or even experience, such as a job that has basic requirements.

“Own” on the other hand, is a situation where you are not like to return to full-time work in the job you previously held e.g. construction.

  • Waiting Periods

Ordinarily, there is a minimum period from the time you make a claim to the time you are paid. Among popular assessment, points is a 3 -6months continuous absence from work. However, in cases such as major head trauma, there is no waiting periods.

  • Your ability to perform daily routines

There are activities generally considered “normal” and included within the daily schedules of persons such as personal dressing, feeding, among others. The inability to perform such activities may be considered for evaluation in TPD claim verification.

In cases such as where the insurer would be required to issue living expenses cover, the demonstration of the inability to perform such tasks is a key determinant on whether or not to be compensated.

  • Ongoing medication

Some insurers evaluate your ongoing medication to determine whether or not you are eligible for TPD. These medications may act as an indicator of the possibility of recovery and a pointer to your future health in general.

For instance, rehab, regular medication, and specialized mobility are among the criteria used to determine eligibility.

  • TPD Evidence

The determination process of TPD is quite demanding. It may also include the verification of your education, training and experience and tangible evidence as to why you aren’t able to resume your previous gainful activities. For instance, the question of whether working in an office matches your aptitude, skills, and experience is keenly evaluated. That is to mean, your physical well-being must match your mental abilities and so on.

It is also highlighted by acknowledging that the ability to get a job doesn’t necessarily translate to being able to keep it. In some cases, where a person is able to get a job but would be unable to sustain it as a result of injuries sustained, they may still claim TPD.

This also applies to a situation where you go back to a work but I a special job curved to accommodate your injuries but which would ordinarily be able to accommodate someone else off the street.


From a general perspective, legal claims relating to the insurance industry are rampant. One of the challenges noticed in the TPD issuance is that insurance companies are challenged in the way in which they issue and handle TPD claims.

The processes, criteria and the entire formality is usually ambiguous leading to confusion and complexity in TPD. There is a tendency to leave the matter to insurers and expect them to act in good faith and with responsibility.

Failure by insurance companies to pay TPD in time and failure to pay at, may lead to legal action. There is a lot of legal formalities associated with this and TPD law claims are quite common all over the world.

Editorial Team
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  1. thanks for sharing your article

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