Definition of permanently disabled

Loss of function                        

This is when illness or injury results in the complete and irrecoverable loss of the use of:

Two or more of the following:

  • A hand
  • A foot
  • Loss of sight in an eye

Or:

  • Loss of hearing in both ears

This may include quadriplegia, paraplegia, diplegia and hemiplegia.

You can find more information on these medical conditions in the Simple Life Product Disclosure Statement and the Simple Life Medical Definitions Reference Guide.

Loss of independent existence

This is when illness and injury means you’re permanently and irreversibly unable to perform any two of the following activities without help:

  • Feeding – getting food and drink to your mouth
  • Mobility – getting in and out of bed or a chair
  • Washing – bathing or showering
  • Dressing – getting dressed or undressed

Unable to work

This is when illness or injury results in a state of physical incapacity, resulting in:

  • You being unable to work in any capacity for at least six months, and;
  • You being unable to perform any occupation you’re reasonably qualified for. This decision will be made by us based on a range of evidence, including medical evidence

Unable to perform home duties

This is when illness or injury leaves you in a state of physical incapacity, resulting in:

  • You being unable to perform home duties for a least six consecutive months, and
  • You being unable to perform home duties ever again. This decision will be made by us based on a range of evidence, including medical evidence

You can find more information on these medical conditions in the Simple Life Product Disclosure Statement and the Simple Life Medical Definitions Reference Guide.

Some options to consider

With a Simple Life policy, you can buy between $100,000 and $500,000 of TPD Cover, in $25,000 increments. For example, you can buy $325,000 worth of TPD Cover, but you can’t buy $320,000 worth. The cover amount you choose is known as your TPD Cover benefit and is confirmed on your policy schedule. This lump sum benefit will only be paid once.

You can package Total and Permanent Disability (TPD) Cover with other Simple Life covers, including Life CoverCritical Illness Cover and Bill Protection, or you can buy it as a standalone policy.

Permanently disabled means a medical practitioner has certified you meet one of the criteria detailed in the listed definitions.

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What isn't covered?

When TPD would not be paid

It’s important you’re aware of the situations where a TPD benefit won’t be paid. This is where permanent disablement results directly or indirectly from any of the following.

Here's the details

  • A pre-existing condition
  • Suicide, attempted suicide or self-inflicted injury, whether you’re sane or not
  • As a result of war, whether it has been declared or not
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • Participation in an illegal activity
  • Working in hazardous conditions
  • If you’ve been living outside of Australia for more than 12 months in a row

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Things to know

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CMLA and CIL (as relevant) and where we refer to ‘we’ and ‘our’, we mean either CMLA or CIL.

Please refer to the Simple Life Product Disclosure Statement (PDS) and the Simple Life Medical Definitions Reference Guide for full benefit details, terms, conditions and exclusions. A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Simple Life are available online or by calling 13 39 82 between 8am and 8pm (AEST) Monday to Friday. If you call this telephone number, you may be speaking with customer service representatives from Aegon Insights Australia Pty Limited (“Aegon”) ABN 35 082 524 785 AFSL 236657. Aegon is authorised to issue Simple Life on behalf of CommInsure.

The issuer and insurer for Life Cover, Total and Permanent Disability Cover and Critical Illness Cover is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). The issuer and insurer for Bill Protection is Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CMLA & CIL are wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA & CIL.

The Commonwealth Bank of Australia does not guarantee the obligations or performance of CommInsure or Aegon or the products they offer.