Frequently Asked Questions

Thinking of Making a Claim on a Total Permanent Disability Insurance?

Speak to Resolute Claims first for free and impartial guidance.
Let Resolute Claims can take all the hassle and stress out of claiming on a Total Permanent Disability insurance policy. Simply give us a call and we’ll take care of everything.

  • Total Permanent Disability Insurance

    Total Permanent Disability Insurance or TPD Insurance is a type of insurance that is often added to Life or Critical Illness insurance policies. It’s designed to pay-out on your inability to work (or carry out daily living tasks) rather than for specific conditions.

  • Claiming on TPD insurance can often be a lengthy and frustrating process. Quite often people can wait years before receiving a decision from their insurance company.

  • You will often need confirmation from your GP and Consultant that you are either:

    - Unable to carry out your own occupation again
    - Unable to carry out any occupation again
    - Unable to carry out a list of daily activities

    Your medical professionals will need to confirm this is likely to be permanent.

  • The claim amount will be paid directly to you.

  • This can vary significantly depending on when you were diagnosed and how long you’ve had your condition for. What treatment has been undertaken and if there’s any future treatment planned is also a factor. We have seen claims take as little as three months and as long as four years.

  • You can use a specialist service like Resolute Claims to claim on your behalf, we’ll sort all the medical reports and information and deal directly with the insurance company. You can also claim directly through the insurance companies’ website or telephone your insurance company directly.

  • If you need help claiming on a TPD Insurance policy can speak to Resolute Claims expert advisers for more information and guidance. If you would like to use Resolute Claims to initiate a claim on your behalf, we charge set fees which can be seen using the link below.

    See our Fees
  • We can help by taking all the stress and worry out of making a claim. We work for you and not the insurance company. We will fill in all the forms and engage with the insurance company on your behalf. Resolute Claims will keep you updated every step of the way, so you don’t need to worry about what’s happening next. We can work on a “no win no fee basis” or you can pay an up-front fee, giving you the flexibility of choice to suit your needs.

  • Pain UK/Fibromyalgia Action

    “Fibromyalgia Action is a registered charity administered by unpaid volunteers. The majority of volunteers are also fibromyalgia sufferers who work extremely hard, despite their condition, in order to forward the cause of fibromyalgia. Fibromyalgia Action was established in order to provide information and support to sufferers and their families. In addition, the Association provides medical information for professionals and operates a national helpline.”

    Fibromyalgia Action

    Versus Arthritis

    “You don’t need to face arthritis alone. Our advisors aim to bring all of the information and advice about arthritis into one place to provide tailored support for you.”

    Versus Arthritis


    “Scope can offer practical, emotional and employment advice to people impacted by a range of disabilities”


Get In Touch

Thinking of Making a New Insurance Claim? We offer a free initial guidance and information service to discuss the claims process, what to expect and what information you will need before a claim can be made. Alternatively, you can let us take care of your claim on your behalf.

Book An Appointment