When considering income protection insurance for Australia, it's essential to determine how much coverage you actually need. A common starting point is to aim for 70% of your annual income. However, this is just a general suggestion. Your individual needs will certainly influence the suitable amount of coverage. Consider factors like your financia

Total Permanent Impairment (TPD) is a legal term that describes a state where an individual experiences a significant injury or illness resulting in the inability to work for an indefinite period. This concept often varies marginally across jurisdictions, with specific criteria defining what constitutes TPD. To be eligible for TPD benefits, individ