TPD insurance?

Returning to work after suffering a lifelong disability or sickness might be difficult or impossible. TPD insurance may offer a financial safety net to assist you and your family in meeting their financial obligations, as well as cover medical and rehabilitation expenses.
What is covered by TPD insurance? If you become completely and permanently incapacitated due to a sickness or accident, TPD insurance will give you a lump sum payment. However, what it means to be fully and permanently handicapped is defined differently by each insurance company. As a result, it may provide coverage for either of the following:
In your employment – you are no longer capable of performing your previous duties at your last job after becoming disabled. This coverage is more costly, and it is often only accessible outside of a superannuation plan. This coverage is less expensive, but insurance is less likely to payout since it has a more significant claim to payout.