What conditions and disabilities are typically covered by TPD insurance?

TPD insurance covers a broad range of conditions that render you totally and permanently unable to work, provided they meet the policy definition. Physical disabilities commonly covered include spinal injuries, paralysis, amputation of limbs, severe chronic pain conditions, severe arthritis, and neurological conditions like multiple sclerosis or Parkinson's disease. Major medical conditions include heart disease, stroke, severe organ failure, cancer (when it prevents you from working permanently), and serious respiratory diseases. Mental health conditions can be covered, including severe depression, anxiety disorders, PTSD, and bipolar disorder, though older policies may exclude mental health claims or limit them. Degenerative conditions like muscular dystrophy or motor neurone disease are typically covered. The key is that the condition must prevent you from working in your occupation (Own Occupation) or any suitable occupation (Any Occupation), and be supported by comprehensive medical evidence showing the disability is permanent and unlikely to improve with treatment.