A class action is a sort of legal action in which a big group of people sues another party, usually a corporation or business. Class actions are frequently employed in situations when it would be too expensive or logistically difficult for each individual to file their own independent lawsuit. Class actions may be used in the context of TPD (Total and Permanent Disability) insurance claims if a sufficient number of policyholders believe their insurance company has unfairly refused TPD coverage. If the class action is successful, the litigants may be awarded compensatory damages, and the defendant may be forced to change its business operations.