The 9-insurer panel (AIA, Zurich, TAL, OnePath, ClearView, NEOS, Encompass, Acenda, Futura) handles TPD in materially different ways across product features, definitions, and category eligibility. AIA's adviser guide caps any-occupation TPD at $5M and own-occupation at $3M. OnePath's TPD ceiling under OneCare is $10M. Zurich's Wealth Protection caps TPD at $5M. Some insurers reserve own-occupation TPD only for specific professional occupation categories — for example, AIA's 'M' (medical) category, while heavy-manual categories may be restricted to any-occupation or ADL. Encompass and NEOS distinguish between WCP (white collar professionals) and BC (skilled tradespeople) categories with different available definitions. Linking arrangements also vary: some products link TPD to life cover so a TPD claim reduces life cover by the same amount, others offer standalone TPD that does not affect life cover. Mental health coverage, cognitive-loss riders, partial-TPD payments, and rehabilitation benefits also differ. Comparing the TPD definition (own-occupation, any-occupation, ADL, cognitive loss), the maximum sum insured for your occupation category, and any linkage terms across insurers is one of the more important parts of TPD shopping — premium price alone is a poor proxy for cover quality.