If you were injured in a car accident while on your way from holidays to home, would you be able to afford to stop working in your current profession, make livings arrangement changes, attend therapy, physio-therapy, counselling, and still make the mortgage payments? Total Permanent Disability is paid to you if you are permanently injured in and you are unable to resume working in your previous position. This is paid in a lump sum, and can be used to change your living arrangements, pay off the mortgage, whatever you need to do to make your life easier.
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