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Did you know...Insurance via Super

Total & Permanent Disability

 

A lump sum benefit will be paid if you become disabled and are unable to ever work again. You can use this lump sum to pay off debts, cover medical costs and invest so that you have an annual income to help maintain your lifestyle.

TPD Insurance can be purchased;

  • On its own as a Stand-Alone Insurance benefit

  • As a combination with your Life Insurance. With this option your TPD sum insured cannot be greater than your Life benefit sum insured.

  • As a combination with your Trauma Insurance. Again with this option, your TPD sum insured cannot be greater than your Trauma benefit sum insured.

  • As a combination with your Life and Trauma Insurance. Again with this option, your TPD sum insured cannot exceed your Life benefit sum insured.

Definition of Total & Permanent Disability:

Own Occupation - You will be paid if you suffer an illness or injury that means you won't be able to work in your occupation again.

Any Occupation - You will be paid if you suffer an illness or injury that prevents you from ever working in any occupation that you are qualified to perform, based on your education, training and experience.

You may also be able to take out Total & Permanent Disability cover through your Super fund, allowing you to maintain your cashflow. Your PlanSmart adviser can advise you on the appropriateness of this cover.

 

Contact us to find out more or to discuss your Insurance options.

 

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Synchron

PlanSmart Pty Ltd (ABN 15 142 298 208) Authorised Representative (No. 345551) of
Synchronised Business Services Pty Ltd T/as Synchron ABN 33 007 207 650
Australian Financial Services License No. 243313

Disclaimer: The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, PlanSmart Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should seek advice or satisfy themselves independently of the appropriateness of such action.