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Total Permanent Disability
Total Permanent Disability
Definition
A total inability to perform any occupation for which you are suited by education, training or experience, which has lasted for a continuous period of at least 6 months and which is permanent. Own occupation definition may apply for first 12-24 months.
Claim Requirements
- Unable to perform ANY occupation (suited by education/training/experience)
- Continuous inability for at least 6 months
- Must be permanent with no prospect of recovery
This is a summary of the condition definition. Always refer to the full policy wording for complete terms and conditions.