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.

Published March 30, 2015

Compare, Save and Buy TPD Insurance

Or call us on:

1300 135 205

Advantages of Home Occupation

What 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

General 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

What can the benefit be used for?

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

Home 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:

It must also be determined that:

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.

We make it easy for you to compare policies online with our powerful comparison engine.

Buy with confidence today for peace of mind tomorrow.

TPD 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:

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.

Get an instant TPD Insurance quote

Or call us on:

1300 135 205

Other topics

Ask an Expert?