LUCRF SUPER

MEMBERS

What is TPD?

What is Total & Permanent Disablement (TPD)?

A member may be considered if they meet the requirements for any of the five definitions below.

 
Part (1) Unlikely to return to work
The Insured Member will be considered TPD if the Member has suffered an injury or illness and as a result of that injury or illness the Insured Member:
  • is totally unable to be employed or engaged in that occupation, business profession or employment for a period of six (6) consecutive months; and
  • is determined by us at the end of that six (6) month period (or such later time as we agree with the Policy owner) to be permanently incapacitated to such an extent as to render the Insured Member unlikely to ever be employed or engaged in any gainful occupation, business, profession or employment for which the Insured Member is reasonably suited by education, training or experience.
 
Part (2) Permanent impairment
The Insured Member will be considered TPD if Member suffers an injury or illness and, as a result of that injury or illness, he or she:
  1. suffers a permanent impairment of at least 25% of whole person function as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 4th edition, or an equivalent guide to impairment approved by us; and
  2. is disabled to such an extent, as a result of this impairment, that they are unlikely ever again to be able to be employed or engage in any gainful occupation, business, profession or employment for which they are reasonably suited by their education, training or experience.
 
Part (3) Specific loss
The Insured Member will be considered TPD if as a result of illness or injury, the Insured Member suffers the total and permanent loss of the use of:
  • two limbs (where ‘limb’ is defined as the whole hand or the whole foot) or
  • the sight in both eyes or
  • one limb and the sight in one eye.
 
Part (4) Loss of independent existence
The Insured Member will be considered TPD if as a result of illness or injury, the Insured Member suffers loss of independent existence. ‘Loss of independent existence’ means we have determined the Insured Member is totally and irreversibly unable to perform at least two of the following five ‘activities of daily living’ without the assistance of another adult person:
  • bathing and/or showering
  • dressing and undressing
  • eating and drinking
  • using a toilet to maintain personal hygiene
  • getting in and out of bed, a chair or wheelchair, or moving from place to place by walking, Wheel chair or with assistance of a walking aid.
 
Part (5) Cognitive loss

The Insured Member will be considered TPD if as a result of illness or injury, the Insured Member suffers cognitive loss. ’Cognitive loss’ means we have determined a total and permanent deterioration or loss of intellectual capacity has required the Insured Member to be under continuous care and supervision by another adult person for at least 6 consecutive months and, at the end of that 6 month period, they are likely to require permanent ongoing continuous care and supervision by another adult person.

If you have any questions or would like further information about any aspect of the insurance available, please call us on 1300 130 780 or email mypartner@lucrf.com.au.



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