What is “total and permanent disablement”?

Insurers generally define total and permanent disablement in one of two ways:

  1. Any occupation or Standard cover – This is when you are unlikely to be able to work again in any occupation that you’re trained, educated or experienced in;
  2. Own occupation or Occupation specific cover – This is when you’re unlikely to be able to work again in your usual occupation.

Disclaimer: This information is designed for general information in relation to Queensland compensation law. It does not constitute legal advice. We strongly recommend you seek legal advice in regards to your specific situation. For help understanding your rights, please call 1800 851 458 or chat via live chat to talk to one of our Lawyers today.

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