When considering income protection insurance within Australia, it's essential to determine how much coverage you really need. A common rule of thumb is to aim for 70% of your monthly income. That said, this is just a general guideline. Your individual needs will ultimately influence the ideal amount of coverage. Consider factors like your expenses

Total Permanent Disability (TPD) is a legal term that describes a state where an individual experiences a serious injury or illness resulting in the inability to engage in any form of employment for an indefinite period. This definition often varies marginally across jurisdictions, with specific criteria defining what constitutes TPD. To be eligibl