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Total and Permanent Disablement cover

Protecting your loved ones

We don’t always like to think about not being able to provide for ourselves—but if something did happen, it’s nice to know that you’re covered. Total and Permanent Disablement (TPD) insurance cover pays a benefit if you were unable to work again because you became totally and permanently disabled.

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What’s TPD cover?

If an illness or injury meant that you were unable to ever work again— TPD pays a benefit which you could use to cover the costs of care, rehabilitation, loan repayments and future costs involved with day-to day living expenses.

How does it work?

Generally, if you were to receive a TPD benefit payment, your Death cover will stop. For more information about when your cover stops, refer to your Insurance Guide.

TPD cover is only available to you if you also take out Death cover.

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Am I eligible for this?

To be eligible for insurance cover, you must be a Plum member. We also take into consideration factors such as your age and sometimes your gender.

To apply for Plum Voluntary insurance, please complete the Insurance form by logging in to your account.

For more information, log in to your account to see your Insurance Guide.


Here are some questions our members have asked about Total and Permanent Disablement (TPD) insurance cover:

  • To apply for Voluntary cover, you need to be a member. You can complete and submit the Insurance form located in the Forms and documents section when you log in to your account.

  • Even if you have Death cover, a benefit won’t be paid within 13 months of starting, restarting or increasing your insurance, if you:

    • take your own life, or
    • are disabled as a result of intentional self-inflicted injury.

    For more information about your benefit payment, log in to your account to see your Insurance Guide.

Daniel's story

A man in a wheelchair.

Daniel was 24 and living life to the full when he had a serious surfing accident that left him totally and permanently disabled, and unable to ever work again. He didn't have any TPD insurance.

Daniel's parents, Ron and Sarah, had paid off the family home and were looking forward to a financially secure retirement. After Daniel's accident however, they had to take on new debt and refinance their home to help pay for Daniel's rehabilitation and ongoing care costs, and to adapt their home for wheelchair access.

With TPD cover, Daniel would have received a lump sum payment to contribute to the costs of his care, providing him with greater financial independence while ensuring his parents were financially secure in retirement. The lump sum payment could have also helped replace the income and superannuation he would have otherwise earned - providing valuable funds to live on into the future.

Other Types of Cover

Death cover

If you pass away or you’re likely to pass away within 24 months due to a terminal illness—you’ll be able to financially assist your loved ones through a paid benefit.

Salary Continuance Insurance (SCI)

If you’re temporarily unable to work due to illness or injury—Salary Continuance Insurance (also known as Income Protection) can provide you with ongoing income and financial support.