No more 'Total', 'Permanent' or 'Disability' in TPD

The move follows a four-month consultation and a meeting of stakeholders on Friday to cut high claim decline rates related to the TPD benefit by clearly defining what had previously been falsely viewed as a 'catch-all' clause. A "very clear consensus" on the idea of headings detailing the limits of a person's ability measured by the types of task they can carry out emerged from Friday's meeting, says Nick Kirwan, the ABI's assistant director, health and protection. He says the ABI is "keen to keep momentum" with another, much narrower, consultation over the next few months to pinpoint...