What Qualifies as TPD?

Total and Permanent Disability (TPD) is the term used to characterise a condition that prevents a person from performing any job for which they are ordinarily qualified due to sickness, injury, or disease. TPD is typically determined by a medical professional who finds that a person is permanently and totally disabled. But what exactly qualifies as TPD?

Loss of Limb Function

According to each person’s unique situation, the Total and Permanent Disability (TPD) compensation is determined for Australians who lose the use of both of their limbs. Age, income, and any other pertinent characteristics are taken into account while calculating the benefit amount. Usually, the benefit is a one-time lump sum payout that is not reliant on continued medical care or treatment.


In the case that you experience permanent blindness as a result of disorders such as cataracts, macular degeneration, glaucoma, or diabetic retinopathy that leaves you permanently disabled and unable to perform your job, you may qualify for TPD. A person generally qualifies for certain benefits or services, such as disability pensions, companion care, or access to low vision services, if they are determined to be fully and permanently blind.

Severe Traumatic Brain Injury

Traumatic brain injury is one of the most life-threatening conditions that can occur as a result of a serious head injury. In numerous instances, brain injury leads to incapacity. Despite the consequences of the injury itself, one can encounter mental illnesses such as anxiety and depression as a result of the experience. If any of these cases apply to you, you most likely qualify for TPD.

Other Permanent Disabilities That Qualify as TPD

Disabilities that arise from:

  • Chronic kidney failure
  • Cancer
  • Parkinson’s disease
  • Alzheimer’s disease
  • Major organ transplant
  • Coma
  • Motor Neurone disease
  • Multiple Sclerosis
  • Chronic fatigue syndrome
  • Muscular dystrophy
  • Paraplegia or quadriplegia
  • Severe depression or anxiety
  • Cardiac arrest

Further Specifics 

The following conditions also apply when it comes to what qualifies as TPD:

  • A condition that keeps a person from engaging in a fulfilling job for at least two years
  • Similarly, a handicap has been shown to have lasted more than two years or is expected to continue.
  • A condition that makes it impossible for a person to work for pay in any profession or line of work.
  • Ultimately, as a general rule, anything that results in you having a permanent disability and making you unable to work makes you qualified for TPD.

At Absolute Insurance, we understand that a disability is a serious medical condition that can have a significant impact on your personal and financial life. Although there is no simple way to get used to your new lifestyle, our TPD insurers will ensure your money won’t suffer as much. Contact us now to be covered against TPD.

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Greg Maguire

Greg Maguire

Greg is an experienced Insurance Broker in Perth, WA, with an Advanced Diploma of Financial Planning from Deakin University and a Bachelors Degree from Edith Cowan University. He is a member of the Chamber of Commerce & Industry WA and Baldivis Rotary, as well as Vice President of the local high school's Parents & Citizens Association. Greg provides personalised and dedicated services to his clients that bigger firms are unable to match.