What is Total & Temporary Disability (TTD)?

If you are temporarily unable to work due to a disability or illness you may receive benefits for Total and Temporary Disability (TTD) or Income Protection. This is essentially the same as TPD, the only difference being that it is not permanent. Under this type of scheme, you can receive insurance payments for the period that you are unable to work.

In some cases where you have returned to work but are earning less, income protection will top up your earnings. These agreements usually run for up to two (2) years, but can vary from fund to fund. Some can be paid to age 65 and some even to age 99.

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