COGNITIVE IMPAIRMENT The permanent loss of cognitive function due to a permanent, irreversible injury or illness of the brain including at least two (2) or more of the following permanent impairments: 1. disorientation in time and place 2. Mini-mental score of less that twenty (20) out of thirty (30) or equivalent test 3. requires assistance with two (2) or more Activities of Daily Living defined above.
D
Or
The entire and irrecoverable loss of the sight of both eyes.
E
Or
The complete, total and irrecoverable functional loss, as supported by medical evidence, of: • Both hands; or • Both feet; or • One hand and one foot. If the Policy Schedule shows You have selected the to age seventy (70) option, the following definition will apply between the ages of sixty six (66) and seventy (70) irrespective of the occupation definition that is shown in the Policy Schedule . 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.
F
TOTAL AND PERMANENT
2
DISABILITY AGES 66 – 70 FOR SUMS ASSURED UP TO $5,000,000
A
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.
BCP-TPD-05/2026
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