What is considered home duties under TPD insurance

Home Duties Definition:

The home duties definition applies for total and permanent disability policies specifically for homemakers. This definition provides coverage for individuals that perform unpaid domestic duties in a full time capacity. Duties include, but are not limited to;

  • Maintenance and care of the family home
    • Management of the household
    • Looking after dependent children
    • Cooking and cleaning

Under this definition, a benefit is payable if you have become disabled and are unable to perform your daily household duties for up to six months and you are unlikely to be able to perform normal domestic duties or any occupation ever again. The period of time that you have been disabled until your benefit is payable will vary between insurance providers.