the life assured can perform an activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity); or Perform one of the activities of daily living and has permanent and irrecoverable cognitive impairment as evidenced by formal neuropsychological testing
Is, in the opinion of Sovereign, after consideration of the medical and any other evidence satisfactory to Sovereign, so incapacitated that it is unlikely he or
she will ever be able to resume work in that occupation or carry on in that business; or
b) Suffers by illness or accident the total and permanent loss of meaningful use of:
performed by a registered psychologist or psychiatrist, or assessment by an appropriate specialist .
Both feet (entire feet); or both hands (entire hands); or
Any condition that Sovereign has reasonable grounds to expect can be reversed or improved by surgery or other treatment will not be considered to be a disablement covered by the ‘any occupation Total Permanent Disablement’ definition. 4. If you have selected an ‘own occupation Total Permanent Disablement Benefit’ Sovereign will pay you an ‘own occupation Total Permanent Disablement Benefit’ if at any time after the risk commencement date : A life assured suffers in Sovereign’s opinion an ‘own occupation Total Permanent Disablement’ as defined in Section 5 below before reaching the policy expiry age as shown in the schedule ; and
The sight in both eyes (to the extent that visual acuity is reduced to 6/36 or less in the better eye and/or the field of vision is reduced to 10 degrees or less of arc in the better eye); or Any combination of two of: a hand, a foot or sight in an eye (to the extent that visual acuity is reduced to 6/36 or less and/or the field of vision is reduced to 10 degrees or less of arc); or
c) Becomes totally and irreversibly unable by illness or accident to:
Perform at least two of the activities of daily living without the physical assistance of someone else (if the life assured can perform an activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity); or Perform one of the activities of daily living and has permanent and irrecoverable cognitive impairment as evidenced by formal neuropsychological testing
The life assured survives for three months after becoming incapacitated.
Sovereign will pay only one ‘own occupation Total Permanent Disablement Benefit’ for each life assured.
performed by a registered psychologist or psychiatrist, or assessment by an appropriate specialist .
The benefit is a lump-sum payment of the amount specified in the schedule .
Any condition that Sovereign has reasonable grounds to expect can be reversed or improved by surgery or other treatment will not be considered to be a disablement covered by the ‘own occupation Total Permanent Disablement Benefit’ definition. 6. When does an ‘own occupation Total Permanent Disablement Benefit’ cease? Cover under the ‘own occupation Total Permanent Disablement Benefit’ will cease and cover under the ‘any occupation Total Permanent Disablement Benefit’ will apply should the life assured of the benefit commence full-time domestic duties.
If you have selected an expiry age of age 70 as shown in the schedule :
If a life assured suffers an ‘own occupation Total Permanent Disablement’ before reaching their 65th birthday, they will be assessed under Section 5 a), b) or c) of this appendix . If a life assured suffers an ‘own occupation Total Permanent Disablement’ after reaching their 65th birthday, they will be assessed under Section 5 b) or c) of this appendix . If Sovereign could not reasonably be expected to make an assessment of the life assured prior to their 65th birthday they will be assessed under Section 5 b) or c) of this appendix .
7. When will Sovereign pay a Partial Permanent Disablement Benefit?
5. What does ‘own occupation Total Permanent Disablement’ mean?
Where the life assured has suffered:
Permanent loss of the entire use of one limb (entire hand or entire foot) as a result of illness or accident; or
A life assured has suffered an ‘own occupation Total Permanent Disablement’ if in Sovereign’s opinion he or she:
Irrecoverable loss of sight in one eye as a result of illness or accident to the extent that visual acuity is reduced to 6/60 or less in that eye and/or the field of vision is reduced to 20 degrees or less of arc. Sovereign will pay 25% of the Total Permanent Disablement Benefit sum assured up to a maximum of $100,000 across all Sovereign policies . Only one claim can be made for the Partial Permanent Disablement Benefit per life assured.
a) Becomes totally incapacitated by illness or accident and, as a result of that incapacity:
Is completely unable to engage in the occupation, or carry on the business, he or she was involved in immediately before becoming incapacitated; and For the three consecutive months after that incapacity began, has not worked in that occupation or carried on that business; and
817 TCP-TPD version 11 Effective 12 May 2026
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