Total Permanent Disability is defined as a state where an individual is unable to perform any work for which they are suited by education, training, or experience due to a medical condition. This condition must be expected to last indefinitely.

Legal and Insurance Context

Our policy provides financial support in the form of a lump sum payment if the insured becomes totally and permanently disabled. The definition of TPD can vary, but it generally includes severe impairments such as:

• Loss of limbs or vision
• Severe brain injuries
• Conditions that prevent any form of employment