Total and Permanent Disability Cover

Would your vehicle be suitable to accommodate your transport needs if you were wheelchair bound?

How about your home? Does it have wheelchair access and wider hallways to accommodate for your new needs?

Do your savings allow for these short and long term requirements?

The costs associated with this type of permanent disability are often not thought about until it’s an issue and when it is often urgent!

What is Total and Permanent Disability Cover?

The accident or illness causes you to be diagnosed as totally and permanently disabled. So you will get a lump sum or monthly pay out to fund your future medical bills and living expenses for you and your family. 

The benefits of Total and Permanent Disability Cover

This cover allows you can now cover medical costs associated with being disabled. It’s easy to apply for by contacting Scott on 03 980 4541 or email on scott@amsnz.co.nz    

Other benefits that you can now add to disability cover include:

• A partial benefit of up to $75 000 may be payable on the loss of use of a limb or sight in one eye           
• We pay our premiums-basically insurance for a Total and Permanent Disability insurance policy
• Level Term Cover-this allows you to keep the premium the same each year up to age 90.

Also if added to life cover you can select an accelerated or stand-alone benefit. 

Common questions about Total and Permanent Disability Cover

How much Total and Permanent Disability cover do I need?

The level of cover you choose will depend on your needs. Things you'll need to consider:

• Do you have a mortgage to cover?
• So how about credit the card debt or any other hire purchases?
• Will your partner survive with a loss of your income?
• Do you have enough money to cover for additional medical expenses?

Can I use my Total and Permanent Disability cover on anything?

If your claim is accepted, it's up to you to decide how to use the money. Hence maybe you'll need to settle debt e.g. your mortgage, day-to-day bills, extend passage ways in your house or buy a more suitable car if you were paralysed.

Can my spouse/partner be covered too?

We don't offer joint cover but your partner can apply for Total and Permanent Disability Cover separately.

We are here to help you discover the right Disability Cover Insurance for your needs.

For more information on Total and Permanent Disability insurance cover please contact us. So we can help you with any questions you might have, and to help you into the best option for you and your family.