When considering income protection insurance for Australia, it's essential to calculate how much coverage you truly need. A common rule of thumb is to aim for 60% of your current income. That said, this is just a fundamental recommendation. Your individual needs will certainly affect the suitable amount of coverage. Consider factors like your expe

Total Permanent Disability (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 somewhat across jurisdictions, with specific criteria specifying what constitutes TPD. To be eligible for TPD benefits, individ