When considering income protection insurance for Australia, it's essential to calculate how much coverage you actually need. A common starting point is to aim for 80% of your current income. That said, this is just a basic recommendation. Your individual needs will ultimately influence the suitable amount of coverage. Consider factors like your de

Total Permanent Invalidity (TPD) is a legal term that describes a condition where an individual experiences a serious injury or illness resulting in the inability to work for an indefinite period. This definition often varies somewhat across jurisdictions, with specific criteria specifying what constitutes TPD. To be eligible for TPD benefits, indi