SECTION D - TOTAL AND PERMANENT DISABILITY BENEFIT DEFINITIONS
TOTAL AND PERMANENT DISABILITY UP TO AND INCLUDING AGE 65 FOR SUMS ASSURED UP TO $5,000,000 MEANS
1
A
If the Policy Schedule shows You have selected the “any occupation” option the definition is: The Life Assured being absent from any employment as a result of injury or illness for a period of three (3) consecutive months and is so disabled that in Our opinion, after consideration of medical evidence satisfactory to Us , he or she is unlikely ever to engage in work for reward in any occupation that he or she is reasonably qualified by education, training or experience which would remunerate at a rate greater than 25% of his or her earnings over the last twelve (12) consecutive months period of employment.
Or
B
If the Policy Schedule shows You have selected the “own occupation” option the definition is: The Life Assured being absent from his or her own employment as a result of injury or illness for a period of three (3) consecutive months and is so disabled that in Our opinion, after consideration of medical evidence satisfactory to Us , is unlikely to ever resume work in or ever attend to his or her Usual Occupation .
Or
C
The Life Assured being totally and irreversibly unable to perform at least two (2) of the five (5) Activities of Daily Living (as defined below) as a result of a disease, illness or injury, without the standby assistance of another person.
Activities Of Daily Living
1. BATHING - The inability to wash oneself either in the bath or shower or by a sponge bath. The Life Assured will be considered to be able to bathe even if the above tasks can only be performed by using equipment or adaptive devices. 2. DRESSING - The inability to put on and take off all garments and medically necessary braces or artificial limbs usually worn, and to fasten and unfasten them. The Life Assured will be considered able to dress even if the above tasks can only be performed by using modified clothing or adaptive devices such as tape fasteners or zipper pulls. 3. TOILETING -The inability to get to and from and on and off the toilet, to maintain a reasonable level of personal hygiene, and to care for clothing. The Life Assured will be considered able to toilet even if it involves the use and ability to empty a colostomy bag, and/or catheter, or an alternative means of bowel or urine elimination device, or use a commode, bedpan or urinal, and able to empty and clean it without the standby assistance of another person. 4. MOBILITY - The inability to move from place to place. The Life Assured will be considered able to move even if it requires the use of equipment including but not limited to canes, quad canes, walkers, crutches, wheelchairs, including mechanical or motorised devices. 5. EATING - The inability to get nourishment into the body by any means once it has been prepared and made available.
Or
BCP-TPD-05/2026
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