Date: April 2007
Definition:
Becoming permanently disabled according to all the requirements of either of the following definitions:
- life tasks - becoming permanently disabled:
- through ageing, illness or injury;
- to the extent of being unable to perform any three of the six* life tasks (washing, dressing, transferring, mobility, continence and feeding) without the help of another person, but with the use of appropriate assistive aids and appliances; and
- the disability is irreversible with no reasonable prospect of there ever being any improvement.
- mental incapacity - becoming permanently disabled:
- through an organic brain disease or brain injury which affects the ability to reason and understand;
- the condition has deteriorated to the extent that continual supervision and the assistance of another person is required; and
- the disability is irreversible with no reasonable prospect of there ever being any improvement.
*Please refer to the Self Assurance product guide for the six life tasks.