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What is total and permanent disability (TPD)?

A person is considered to have a Total and Permanent Disability when he or she:


a. Is totally and permanently disabled to the extent of not being able to engage in any occupation, business, or activity that pays an income; or

b. Suffers total and irrecoverable loss of the effective use of:

     i. both eyes; 

    ii. any two limbs at or above the wrist or ankle; or

   iii. one eye and any one limb at or above the wrist or ankle.


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