When considering income protection insurance in Australia, it's essential to calculate how much coverage you really need. A common starting point is to aim for 80% of your monthly income. However, this is just a fundamental guideline. Your individual requirements will certainly influence the suitable amount of coverage. Consider factors like your

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 definition often varies marginally across jurisdictions, with specific criteria defining what constitutes TPD. To be eligible for TPD benefits, indi