For persons insured up to age 18
The person insured requires for a minimum period of six consecutive months, due to an accident, illness or disease, constant care and attention and continuous confinement to a home, hospital or similar institution. Such requirement for constant care and attention and continuous confinement to a home, hospital or similar institution is expected to be permanent.
For persons insured under age 75
The person insured has suffered an illness or injury which has caused them to be totally
1. unable to work for at least 6 months in a row, and to be totally and permanently unable to engage for profit or rewards in:
i. the occupation they were engaged in when the illness or injury first happened; and
ii. any other occupation.
2. unable to perform at least 2 of 6 activities of daily living (ADLs) without someone’s assistance.
For persons insured up to age 99
The person insured has suffered the total and irrecoverable loss of:
1. the sight of both eyes; or
2. the sight of one eye and the loss of one limb at above the ankle or wrist; or
3. the loss of
i. both hands at or above the wrists;
ii. both feet at or above the ankle; or
iii. one hand or at above the wrist and one foot at or above the ankle.