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?
If you have an accident or illness that causes you to be diagnosed as totally and permanently disabled, you will get a lump sum or monthly payout to fund your future medical bills and ongoing living expenses for you and your family.
The benefits of Total and Permanent Disability Cover
Total and Permanent Disability Cover allows you cope with these unexpected medical cost associated with being disabled. It’s easy to apply for by contacting Scott on 03 980 4541 or by email on firstname.lastname@example.org
Other benefits that can be added to Total and Permanent 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 Your Premiums-basically insurance for the Total and Permanent Disability insurance policy
- Level Term Cover-this allows you to keep the premium the same each year up to age 90.
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 Total and Permanent Disability cover you choose will depend on your needs. Things you'll need to consider:
- Do you have a mortgage to cover?
- How about credit card debt or any other hire purchases?
- Will your partner/spouse 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. Maybe you'll need to settle debt - such as your mortgage, day-to-day bills, or to extend passage ways in your house or buy a more accommodating vehicle if you were paralysed.
Can my spouse/partner be covered too?
We don't offer joint Total and Permanent Disability cover but your spouse/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 Cover Insurance please contact us at Advanced Insurance Solutions so we can help you with any questions you might have, and to assist you into the best option for your personal circumstance.
Get the right Disability Cover Insurance
To see how insurance cover would best suit you and your circumstances feel free to our Insurance Adviser, Shane Blummont.Contact Shane >
Published by Scott Miller
Today's announcement on Mortgage Holidays
With today’s announcement by the Finance Minister about 6-month mortgage holidays, we have been inundated by enquiries from our clients.
Absolutely loved the process with the team, Scott etc. at Advanced Mortgage Solutions. Helped us every step of the way!Brittany and Daryl Bakalich - 21 January 2019
AMS provided excellent advice and a great range of finance options to meet our requirements. Scott Helped us throughout the process and removed a lot of the hassle that you normally go through working directly with the banks.Evan and Nadja Beker - 21 March 2012 - 21 March 2012
Scott and Jo demystified the whole process and helped us buy our first investment property.Neil and Brigitte Glasson - 17 January 2017