Loss of Independent Existence

Loss of independent existence is a condition of permanent disability according to all living conditions through ageing, illness or injury.

Loss of independent existence

Becoming permanently disabled according to all the requirements of either of the following definitions:

Life tasks

Becoming permanently disabled:

• through ageing, illness or injury;
• to the extent of being unable to perform any three of the six life tasks (feeding, washing, dressing, transferring, mobility and toileting) without the help of another person, but with the use of appropriate assistive aids and appliances; and
• the disability is irreversible with no reasonable prospect of there ever being any improvement.

Mental incapacity

Becoming permanently disabled:

• through an organic brain disease or brain injury which affects the ability to reason and understand;
• the condition has deteriorated to the extent that continual supervision and the assistance of another person is required; and
• the disability is irreversible with no reasonable prospect of there ever being any improvement.

Activities of life tasks:

• Feeding – the ability to feed oneself.
• Washing – the ability to wash in the bath or shower
• Dressing – the ability to put on, take off, secure and unfasten all garments
• Transferring – the ability to move from a bed to an upright chair or wheelchair and vice versa;
• Mobility – the ability to move indoors from room to room on level surfaces;
• Toileting – the ability to use the lavatory or otherwise manage bowel and bladder functions to maintain a satisfactory level of personal hygiene;

How does the loss of independent existence happen?

In the twinkling of an eye, we can lose everything important in life.  Loss of life, loss of income and disability due to unexpected accident or illness are some events that can happen to anyone.  In these scenarios, most families will face the hardships to survive.

That is the essence of life that sometimes requires protection and becomes a priority to safeguard and preserve what is important in our lives.  Have you ever wondered how you can protect ourselves, especially home, health and family at times of uncertainty?

Treatments for Loss of Independent Existence

This condition must be confirmed by the company’s approved doctor.

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