Total and Permanent Disablement (TPD) insurance

TPD insurance pays a lump sum in the event you become totally and permanently disabled.

Why TPD insurance?

Have you ever considered what your financial future would look like if you became disabled and were never able to work again?  Even if you have income protection, you may be facing medical, rehabilitation and support costs, a lower income and no ability to increase your income over your working lifetime.

Meet medical bills and regular expenses

TPD cover can offer financial assistance in the form of a lump sum to help you meet medical and rehabilitation costs. The lump sum can also assist with living expenses and financial debts such as mortgages and loans.

A choice of TPD cover options are available to suit your different needs. For example, you can select to be covered if you can't work, can't perform domestic duties, or if you suffer a permanent disability that prevents you from performing everyday tasks.

Access to continued support

Along with valuable financial support, BT's TPD cover can also include a counselling benefit for you and your family that becomes available after the TPD benefit has been paid.

Next: Understanding trauma and critical illness insurance

Living insurance is designed to pay you a sum of money if you are diagnosed with a life threatening illness or experience some kind of trauma. Learn more about the benefits and also the drawbacks here.

Contact a BT Wealth Consultant to discuss TPD cover

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A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Please read the Product Disclosure Statement to see if this insurance is right for you.

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714