Total and Permanent Disability Cover

TPD Cover provides a lump sum payment if the insured person becomes totally and permanently disabled. This money can be used to help pay medical expenses or cover the cost of necessary lifestyle changes.



Minimum entry age


Maximum entry age


Benefit expiry age

Policy anniversary after the insured person turns 65

Minimum sum insured


Maximum sum insured


Premium types

Stepped premium

Funding options

TPD Cover is available both inside and outside of super

TPD definitions available

Any occupation
Own occupation
Super TPD

Product structure combinations

TPD Cover attached to Life Cover
TPD Cover linked to Life Cover
Split TPD Cover


Key benefits

TPD Cover includes the below key benefits, valuable features, and the ability to add optional benefits.

If cover is purchased inside super, then only the benefits and features marked with an * are available. If cover is purchased outside super, then all benefits and features are available.

All TPD Cover benefits and features are subject to the full terms and conditions outlined within the Encompass Protection PDS.

Total and Permanent Disability Benefit*

Provides a one-off lump sum payment if the insured person becomes totally and permanently disabled.

Specific Loss Benefit

We’ll pay the lesser of 25% of the sum insured or $500,000 if the insured person suffers the loss of one foot, one hand or sight in one eye.

Valuable features


To help ensure cover keeps pace with the cost of living and maintains real value, we automatically increase the TPD Cover sum insured each year by the higher of 3% or the percentage increase in the Consumer Price Index.


The TPD Cover sum insured can be increased after certain specified events without having to provide further medical or health information.


If we’ve paid a TPD Cover benefit payment, we’ll reimburse up to $5,000 for the cost of a financial plan from a qualified financial adviser.


Optional benefits

In addition to the key benefits and valuable features, under certain circumstances a Disability Premium Waiver Option* and/or Life Cover Buy Back Option* can be added to TPD Cover for an additional cost. See the Encompass Protection PDS for details.