TPD insurance stands for Total & Permanent Disability, and it's a type of insurance that can be a real lifesaver if you ever find yourself unable to work due to a serious injury or illness. However, TPD insurance isn't just one-size-fits-all. Nope, there are actually three different definitions that insurers use to determine if you're eligible to make a claim. When it comes to Total Permanent Disability (TPD) insurance and Income Protection, there are three broad definitions - any occupation, own occupation and activities of daily living. So let's explore what each definition means for you and your policy.