When considering income protection insurance within Australia, it's essential to calculate how much coverage you really 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 certainly influence the suitable amount of coverage. Consider factors like your ex

Total Permanent Disability (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