Total Permanent Disablement

Total Disablement

Nobody likes to think about the prospect of long-term illness or disability, but for 29% of New Zealanders this will be a reality. Total Permanent Disablement (TPD) cover provides a lump sum that can be used in any way you wish to help secure your family’s future.

What is Total and Permanent Disablement?

The term ‘Total Permanent Disablement’ refers to the end result of illness or accident. It means you:

  1. Can’t do your own job or another job which your skills may be suited to; or
  2. Suffer loss of limbs or sight; or
  3. Can’t perform at least two of the following activities without the physical assistance of someone else:
  • Bathing and showering
  • Dressing and undressing
  • Eating and drinking
  • Using a toilet
  • Moving from place to place by walking, in a wheelchair, or with a walking aid.

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.

Benefits of Total Permanent Disablement (TPD) cover:

  • A lump-sum payment for total permanent disablement due to accident or illness.
  • You can choose to be covered for any occupation or just your usual occupation.
  • If you have Life Cover, a Total Permanent Disablement (TPD) claim can be treated as an early (accelerated) payment of your life cover policy. This benefit can reduce the cost of premiums.
  • Sovereign pay up to $1,500 for professional financial advice, to ensure you get the most benefit from a lump-sum payout.


Talk to us to help determine what level of cover is right for you.

% GP and Dentist VISITS 2012/2013

  • Dental Visits

– Source: NZ Health Survey Key Findings 2012/13

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