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Loss of independent existence

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.

 

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