Lump-sum support for serious events
Trauma cover can pay a lump sum when a specified serious condition occurs. TPD cover can support an employee who becomes totally and permanently disabled, depending on the policy definition.
Trauma and TPD cover NZ
Trauma and TPD Cover for New Zealand Employers
Trauma and total permanent disablement cover can add an extra layer of financial support when an employee faces a serious condition or permanent inability to work.
Useful cover needs clear wording
Definitions, exclusions and claim triggers matter. Employee Lab helps employers understand the options before launch and communicate the benefit without oversimplifying it.
What is included
Practical support across advice, setup, communication and claims.
Trauma cover
Support for specified serious illnesses or events, subject to policy definitions.
TPD cover
Lump-sum protection for total and permanent disablement, as defined by the policy.
Benefit integration
Combine with life and income protection for a broader risk programme.
How it works
A simple process for employers.
- Confirm whether trauma and TPD fit your benefit objective
- Compare policy definitions and benefit levels
- Set eligibility and contribution model
- Communicate the cover clearly
- Support claim questions when they arise
Common questions
What employers usually ask.
Trauma cover can pay a lump sum if an insured person suffers a listed serious medical condition. The covered conditions and definitions depend on the policy.
TPD means total permanent disablement. It can pay a lump sum if an employee meets the policy definition for permanent inability to work or perform certain duties.
Often yes. They are commonly considered alongside group life and income protection, subject to insurer rules and minimum group requirements.
Related reading
Useful next pages.
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