Total & Permanent Disability

To take care of you and your family’s future if you become permanently disabled

Total and Permanent Disability (TPD) provides financial peace of mind by providing a lump sum payment should you become totally and permanently disabled and unable to work as a result of accident or illness.

If you are so incapacitated that:

a. cannot do your own or another job to which your skills may be suited; or

b. cannot perform at least two activities of daily living without the physical assistance of someone else such as:

• 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 and Permanent Disability Insurance has two options depending on your situation.  If you are so incapacitated that:

1. Own Occupation – if it is unlikely you will ever be able to work in your own specific occupation
2. Any Occupation – if it is unlikely that you will ever be able to return to work in your own or any other occupation or gainful employment for which you are reasonably suited by education, training or experience