Typically a TPD claim pays out a lump sum payment if you’re permanently disabled and unable to work. The ability to provide for yourself and family becomes a real challenge, and living daily with a disability comes with its own major stress. A TPD claim is more common than people think and Zurich’s TPD offering has the addition a number of non-occupation based assessment criteria that alleviate reliance on a client’s future ability to work, this is called extended activities of daily living (Extended ADLs). This gives claimants additional confidence that when needed, Zurich will be there.