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Acenda launches TPD solution
Financial Standard
|October 07, 2025
Acenda has launched a new insurance benefit, Total Permanent Disability (TPD) Severity, in response to a significant surge in claims, particularly for mental health and musculoskeletal conditions.
According to the life insurer, there was a 166% increase in retail TPD claims for musculoskeletal conditions between 2018 and 2023. The increase in mental health claims was similar (171%) over the same period.
These conditions are challenging to assess under traditional TPD definitions due to the varying severity of each case, which can range from long-term and permanent to episodic with a longer recovery period.
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