New Zealander George Hudson proposed the modern idea of daylight saving in 1895. Germany and Austria-Hungary organized the first implementation, starting on 30 April 1916. Many countries have used it at various times since then, particularly since the energy crisis of the 1970s.
Medical Definition of DISABLE. : to deprive of a mental or physical capacity.
What is TPD Insurance? Total and Permanent Disablement (TPD) insurance is your financial back-up plan. It gives you the confidence to seize life's possibilities knowing you've made plans to secure your family's financial future ... just in case! TPD insurance helps you modify your lifestyle and gives you choice and options if you're left without the ability to work.