07 3262 6585 Book a time

Picture Book · Insurance

TPD: own job, any job, or daily living

Story pages

A woman in her forties in hospital scrubs walking out of a hospital entrance at dawn
Meet Leanne, a theatre nurse. What if an injury meant she could never work again?
A woman with a walking frame on a sunny back deck
TPD insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.
A single key fitting perfectly into one specific door lock marked by a nurse's cap hanging on the door hook
'Own occupation' cover pays if you can't do your own job again. It costs more and is usually only available outside super.
A row of many different doors in a long hallway
'Any occupation' cover pays only if you can't do any job suited to your education, training or experience. It's cheaper, but harder to claim.
A carer gently helping an older woman with her cardigan in a bright bedroom
'Activities of daily living' cover has the highest bar: needing help with basic tasks like bathing, dressing, eating or moving around.
A woman reading a booklet at a kitchen table with reading glasses on
Definitions differ between insurers. Read the PDS so you know exactly which test your cover uses.

The end

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersRead the full article

Next story: Income protection: when the pay stops

General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

1 / 7

Swipe, use the arrows, or press ← → on your keyboard.

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersor call 07 3262 6585

Keep exploring: More insurance stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners