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Permanently Unable To Work Cover

  • Up to $1.5 million cover depending on your age
  • Covers you for Total and Permanent Disability
  • Cover available for Australian permanent residents aged 16 to 55
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Understanding Permanently Unable To Work cover

Permanently Unable to Work cover has multiple naming conventions. Some may refer to it as Total and Permanent Disability (TPD) cover, or disability insurance. It is an additional cover option that can be added onto your Life cover.

Total and Permanent Disability can be financially as well as emotionally devastating and if you have not considered the consequences of losing your income, now is the time to do something about protecting it.

Our Permanently Unable to Work policy pays you a lump sum which can be used to help to minimize the impact Total and Permanent Disability has on your way of life. The funds can be used for anything from paying off debts, replacing lost income for daily living costs, or assisting with ongoing medical and rehabilitation costs.

  Permanently Unable To Work cover
What is covered?

Permanently Unable to Work cover can be added as an option to your Life cover policy and covers:

  • Permanent Inability to Work in Any Occupation definition
    We will pay a benefit when solely because of Sickness or Injury you have been continuously absent from work for a period of at least three consecutive months and due to that Sickness or Injury you are unlikely ever to work again in any occupation for which you are suited based on your work experience, your education and any training you have had.
  • Major Physical Impairment
    We will pay a benefit on:
    • loss of limbs or paralysis - total and permanent loss of use of two or more Limbs or, one or more limbs and the sight in one eye due to Sickness or Injury.
    • loss of sight - permanent Legal Blindness in both eyes due to Sickness or Injury.
    • loss of hearing - total and permanent loss of hearing in both ears due to Sickness or Injury.

All Australian permanent residents aged between 16 to 55 can apply.

Age at application Minimum Maximum
16 – 45 $100,000 $1,500,000
46 – 55 $100,000 $1,000,000
56 – 65 Not eligible for cover Not eligible for cover

You can tailor the benefit amount to suit your needs; you can choose any cover amount between $100,000 and $1,500,000 depending on your age, however this amount cannot exceed the Life cover amount.

  • Inflation Proofing
    Permanently Unable To Work amounts automatically increase each year to keep pace with inflation (the increase will be the greater of the increase in the CPI over the previous year or 5%). Each year premiums will be adjusted to reflect this increase so you can rest assured your cover will be worth the same amount if you come to make a claim later down the track. Any increase can be declined by advising us in writing.
  • Guaranteed renewable policy
    Once a policy has been accepted and issued, and provided premiums are paid as due, we guarantee to renew it until the life insured’s 65th birthday.

All Australian permanent residents between the ages of 16 to 55 (inclusive) may apply for Permanently Unable To Work cover.

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Product Disclosure Statement

View the Product Disclosure Statements.

For terms, conditions and exclusions of our insurance, please refer to the Product Disclosure Statement (PDS).

Important note:
The insurance is issued by Allianz Australia Life Insurance Limited ABN 27 076 033 782, AFSL 296559. The information contained on this website is general information only. It does not take into account your individual objectives or financial situation. You should therefore consider the appropriateness of the insurance having regard to your objectives, financial situation and needs. Prior to making any decision you should read the Allianz Life Plan Product Disclosure Statement and Policy Document (PDS). You should seek advice from your financial adviser before deciding on appropriate insurance cover.

* Conditions apply for the $50 Westfield Eftpos card