What You Get

Nobody likes to think about the prospect of being permanently disabled and unable to ever work again in the occupation that they are trained and qualified to do. However, for around a third of New Zealanders this is a reality. Total Permanent Disablement provides a lump sum that can be used to secure future, financial independence.

The term ‘Total and Permanent Disablement’ refers to never being able to work in one’s occupation as a result of a crippling injury or illness.

It relates to:

1. Not being able to work in one’s own job or another job where the personal skills may be suited

2. Suffering the loss of limbs or sight

3. Not being able to perform at least two of the following activities without the physical assistance of someone else like:

Total Permanent Disablement also applies if you are unable to perform one of the activities noted above, and your intellectual capacity has reduced or deteriorated to such an extent that you require permanent and constant supervision.