Adviser Centre

Total and permanent disability.

From the 14 April 2013 Total and Permanent Disability (TPD) became an optional benefit for some accounts when selling Critical Illness Cover (CIC). If you are unaware if this option is available to you please contact your dedicated service team.

Total and Permanent Disability (TPD) benefit is one of the specific conditions we cover under our critical illness cover plans. Under the TPD definition, if your client becomes totally and permanently incapacitated we’ll pay out the benefit.

This definition can cover any condition not specifically covered elsewhere under our critical illness cover plans and which results in total and permanent disability. Permanent is defined as “expected to last throughout the insured person’s life, irrespective of when the cover ends or the insured person retires”.

Definitions of disability

The definitions of disability we use depend on the occupation of your client. We use two definitions, either own occupation or Specified Work Tasks. The Policy Schedule will show which definition applies:

Unable to do own occupation ever again

Loss of the physical or mental ability through an illness or injury to the extent that the insured person is unable to do the material and substantial duties of their own occupation ever again. The material and substantial duties are those that are normally required for, and/or form a significant and integral part of, the performance of the insured person’s own occupation that cannot reasonably be omitted or
modified.
'Own occupation’ means the insured person’s trade, profession or type of work they do for profit or pay. It is not a specific job with any particular
employer and is irrespective of location and availability.
The relevant specialists must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or the insured person expects to retire.
For the above definition, disabilities for which the relevant specialists cannot give a clear prognosis are not covered.

Unable to do three Specified Work Tasks ever again 

Loss of the physical ability through an illness or injury to do at least three of the six work tasks listed below ever again.
The relevant specialists must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or the insured person expects to retire.
The insured person must need the help or supervision of another person and be unable to perform the task on their own, even with the use of special equipment routinely available to help and having taken any appropriate prescribed medication.
The specified work tasks are:

  • Walking – the ability to walk more than 200 metres on a level surface.
  • Climbing – the ability to climb up a flight of 12 stairs and down again, using the handrail if needed.
  • Lifting – the ability to pick up an object weighing 2kg at table height and hold for 60 seconds before replacing the object on the table.
  • Bending – the ability to bend or kneel to touch the floor and straighten up again.
  • Getting in and out of a car – the ability to get into a standard saloon car, and out again.
  • Writing – the manual dexterity to write legibly using a pen or pencil, or type using a desktop personal computer keyboard.

For the above definition, disabilities for which the relevant specialists cannot give a clear prognosis are not covered.

Joint Life Plans

For joint life plans, only one definition of disability will apply to both lives if both clients are in gainful employment. This will be shown on their personal illustration.

You can find out more information on TPD in our key features and our product profiles.


Need more information?

Protection sales team
0845 273 0010

Monday to Friday 9.00am to 5.00pm.

We may record and monitor calls. Call charges will vary.

 

Please send completed Trust Forms to: Trust Team, City Park,

The Droveway, Hove, East Sussex, BN3 7PY

New to
Legal & General?

Boxer
Why choose us?
What we can offer you and your clients.
Mobile phone
Doing business with us
How to access and register with us.
Hand on mouse
Guide to our online services
About our online systems and tools.