1. Own or reasonable occupational disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation resulting in a member being totally and permanently disabled and incapable of performing their current occupation's duties, or the duties of another suitable occupation. This must take into account their education, previous training, abilities and work experience.
2. Total disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation leaving a member continuously and wholly incapable of engaging in any occupation for remuneration or profit.
3. Impairment (Glossary):
This means any bodily injury, illness, disease or surgical operation that has stabilised sufficiently over a period of time to allow optimal tissue repair, and is unlikely to change in spite of further medical or surgical treatment.
The percentage of the impairment benefit is based on the Whole Person Impairment (WPI) principle, where the benefit payable depends on the severity of the impairment. WPI uses the latest American
Medical Association (AMA) guidelines to evaluate permanent impairment.
1. Own or reasonable occupational disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation resulting in a member being totally and permanently disabled and incapable of performing their current occupation's duties, or the duties of another suitable occupation. This must take into account their education, previous training, abilities and work experience.
2. Total disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation leaving a member continuously and wholly incapable of engaging in any occupation for remuneration or profit.
3. Impairment (Glossary):
This means any bodily injury, illness, disease or surgical operation that has stabilised sufficiently over a period of time to allow optimal tissue repair, and is unlikely to change in spite of further medical or surgical treatment.
The percentage of the impairment benefit is based on the Whole Person Impairment (WPI) principle, where the benefit payable depends on the severity of the impairment. WPI uses the latest American
Medical Association (AMA) guidelines to evaluate permanent impairment.
1. Own or reasonable occupational disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation resulting in a member being totally and permanently disabled and incapable of performing their current occupation's duties, or the duties of another suitable occupation. This must take into account their education, previous training, abilities and work experience.
2. Total disability (Glossary):
This means incapacity arising from bodily injury, illness, disease or surgical operation leaving a member continuously and wholly incapable of engaging in any occupation for remuneration or profit.
3. Impairment (Glossary):
This means any bodily injury, illness, disease or surgical operation that has stabilised sufficiently over a period of time to allow optimal tissue repair, and is unlikely to change in spite of further medical or surgical treatment.
The percentage of the impairment benefit is based on the Whole Person Impairment (WPI) principle, where the benefit payable depends on the severity of the impairment. WPI uses the latest American
Medical Association (AMA) guidelines to evaluate permanent impairment.