Total and Permanent Disability (TPD) insurance offers a potential lifeline if you become unable to work due to injury or illness, providing a lump-sum payment if you're permanently disabled. Surprisingly, many Australians are unaware they have this coverage, often included in their superannuation. Understanding your policy and eligibility is crucial. In this article, we delve into what TPD insurance is, how to determine if you have it, and the steps to take if you need to make a claim. Don't wait until it's too late—empower yourself with the knowledge to secure your financial future.