There are some people that don't think trauma cover is worth having - I am not one of them. Their view is that trauma cover depends on a kind of lottery: that the disease is one of those listed as a claimable event. That's true as far as it goes, but doesn't properly acknowledge that of the truly major illnesses you can contract in modern life, modern trauma covers. As a fall-back, most up to date trauma products to include some total and permanent disability benefit. But put that aside, and read these stories describe diagnosis of MS. They exemplify the value of early, partial payments for diagnosis and full payment for the point where disability is being experienced. With a benefit of $100,000 the partial payment - for most adviser companies, and one or two bank versions of the product - would be $25,000. At that point most income protection contracts would not pay out.