Simply Covered Insurance

Total and permanent disability insurance

Nobody likes to think about becoming disabled, but permanent disability affects many New Zealanders. An illness can erode your health either gradually or quickly until you are unable to work, or a serious accident could leave you totally and permanently disabled.

Statistics tell us that one in nine men and one in five women will become disabled and unable to work for more than 12 months before the age of 65. If your working life comes to a complete halt, there are both present and future financial needs to consider.


53-year-old Robbie was on his way to work when a commercial truck pulled in front of him. The ensuing collision fractured Robbie’s leg as well as several ribs.

After three surgeries, Robbie was left with a significant permanent disability and an ongoing need for medical care. He was unable to return to his teaching job.

Because he had an “own occupation” policy with his Total and Permanent Disablement Cover, he was able to make a claim that provided him with the funds necessary to help him plan for a new future.

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