Home Duties

Home Duties Total and Permanent Disability (TPD) Insurance pays you a lump sum benefit in the event that you are totally and permanently disabled and unlikely to ever be able to return to normal domestic duties.

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no-1Advantages of Home Occupation

Cover for the stay at home partner

Even if the stay at home parent does not work, Total and Permanent Disablement cover is still available with a ‘home duties’ definition’, protecting the family financially if the stay at home parent cannot perform normal domestic duties’

Take out cover through superannuation

Home duties TPD is available though superannuation, helping you to manage your cash flow.

no-2What are ‘Normal Domestic’ Duties’?

Normal or Home Domestic Duties are generally defined as:

  • Cooking of family meals
  • Cleaning of family home
  • Family laundry
  • Shopping for family’s food
  • Taking care of children or dependents

no-3General Policy Details

Minimum Entry Ages:16-64
Policy Expiry Age:65–100 (Depending on your insurer)
Policy Conversion Age:65-70 (Policy will generally convert to Modified TPD Definition)
Max Sum Insured:$2,000,000

no-4What can the benefit be used for?

The lump sum benefit can be used in a number of ways including:

Debt repayments

Medical Costs

Home Modifications

Providing an income

Please note this is just a general list only and your benefit can be used as you see fit.

no-5Home Occupation Definition

In most cases, ‘Home Occupation Total and Permanent Disablement’ relates to full time unpaid domestic duties performed within the home. In order to claim the insured must be unable to:

Perform regular domestic duties

Leave the home or participate in any form of occupation for a period of at least 3 – 6 months due to an accident or sickness

It must also be determined that:

  • Based on available medical evidence and by at least one medical practitioner that the insured’s injuries or sickness are determined to be so severe that they are totally and permanently disabled and unlikely to ever be able to return to normal domestic duties.

Please note:

Some insurers may extend this definition to include that the insured must be under the regular care of a medical practitioner or may require ongoing medical care.

Please be aware that this is a general definition and will change between insurers. It is important to consult your PDS for a more detailed definition.

no-6TPD Partial payment benefit

Select life insurers generally pay up to 25% of the sum insured in the event the insured suffers the loss or use of:

  • One arm; or
  • One leg; or
  • The sight of one eye

If later the insured becomes totally and permanently disabled, generally the policy will pay out the balance of the sum insured.

Case Study:

Joan is a homemaker, staying at home to look after her two children and the house.

During the course of her home maker duties, Joan suffers from an illness which causes her to lose vision in both eyes.

After determining that her eye sight loss is permanent and that it would prevent her from ever being able to perform a number of domestic duties, she is able to claim her Home Occupation TPD Lump Sum Payment.

Published: March 30, 2015
  • Own Occupation

    Own Occupation Total and Permanent Disablement cover provides protection if you can no longer work in your Own Occupation.

  • Life Cover Buy Back

    Regain your life cover by using the Buy Back Option on your combined life and TPD policy 12 months after your disablement claim!

  • Modified TPD

    Not sure about Modified TPD? Learn more about this policy including when it is available, when to consider it and how you can use your benefit!

  • Any Occupation

    Find out more about Any Occupation TPD Insurance from Australia’s #1 Comparison Service including comparing quotes, definitions….

  • Double TPD

    Take out Double TPD on your combined policy and get your life insurance benefit reinstated when a full disability claim is made & have your premiums waived

  • TPD Policy Options

    Enhance your total and permanent disability policy with select Options! Combined policies, stepped or level premiums, life cover buy back and double TPD.

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