Permanently Unable to Work cover

Permanently Unable to Work cover is also known as Total and Permanent Disability (TPD) or ‎Disablement Insurance and pays a lump sum if the life insured suffers a Sickness or Injury which means they are permanently unlikely ever to be able to work again. It will also pay a ‎lump sum if the life insured suffers from a Major Physical Impairment as defined by the policy.

Long-term disability can be financially as well as emotionally devastating. The Policy Owner can ‎choose how to use any benefit payment, whether for the reduction of debts or to replace income ‎that has been lost as a result of an inability to work.

A Permanently Unable to Work benefit can also provide for medical treatment or ongoing care as well as pay for any home modifications that are required.


Cover for Sickness or Injury and Major Physical Impairment

Allianz Permanently Unable to Work cover pays a lump sum in the event that the Life Insured suffers a Sickness or Injury that means they are unlikely ever to be able to work again. It will also pay a lump sum if the Life Insured suffers from a Major Physical Impairment.

The maximum benefit payable for each life insured is the relevant Cover Amount shown on the policy schedule for the relevant life insured.


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The minimum Permanently Unable to Work Cover Amount that can be applied for is $100,000. The maximum Permanently Unable to Work Cover Amounts you can apply for are based on your current age and are illustrated in the table below:

Age at applicationMinimumMaximum
16 – 45$100,000$1,500,000
46 – 55$100,000$1,000,000
56 – 65Not eligible for coverNot eligible for cover


Inflation Proofing

Permanently Unable to Work Cover Amounts automatically increase each year to keep pace with ‎inflation (the increase will be the greater of the increase in the CPI over the previous year or ‎5%). Each year premiums will be adjusted to reflect this increase and any increase can be ‎declined, by advising us in writing.

Eligibility for Permanently Unable to Work cover

Anyone between the ages of 16 to 55 (inclusive) may apply for Permanently Unable to Work cover. We will ask you some questions about your health, lifestyle and family medical history to ‎determine whether or not we are able to offer you cover. Once a policy has been accepted and issued, and provided premiums are paid as due, we guarantee to renew it until the life insured’s 65th birthday.

When a Permanently Unable to Work Benefit will be payable

We will pay a benefit when solely because of Sickness or Injury you have been continuously absent from work for a period of at least three consecutive months and due to that Sickness or Injury you are unlikely ever to work again in any occupation for which you are suited based on your work experience, your education and any training you have had.

Major Physical ImpairmentWe will pay a benefit on:
Loss of Limbs or paralysisTotal and permanent loss of use of: Two or more Limbs; or One or more Limbs and the sight in one eye, due to Sickness or Injury.
Loss of sightPermanent Legal Blindness in both eyes due to Sickness or Injury.
Loss of hearingTotal and permanent loss of hearing in both ears due to Sickness or Injury.

When we will not pay a benefit

There are circumstances in which Allianz will not pay a benefit for Permanently Unable to Work. We will not pay a claim that arises directly or indirectly:

  • Where the condition is a result of a self-inflicted Injury.
  • No Permanently Unable to Work cover benefits will be paid in any circumstances if the Life Insured has not applied for the cover personally or where the application was completed on behalf of another person.


We may also decline a claim in circumstances of non-disclosure. For information on when we may refuse a claim due to non-disclosure please refer to "Important Information" section of the PDF Download Allianz LifeCover Plus Product Disclosure Statement and Policy Document (PDS).

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