Presumption of total disability

If, following an illness or accident, the insured person suffers from the loss of 2 limbs or 1 sense, as described below, they will be considered totally disabled, whether or not they hold an occupation or are receiving continuing medical care.

"Loss" means the total and irreversible loss of:

• The use of 1 hand
• The use of 1 foot
• 1 hand and the wrist joint following an amputation
• 1 foot and the ankle joint following an amputation
• Vision in both eyes (visual acuity of 20/200 or less, or a field of vision of less than 20 degrees)
• Speech, attributable to a bodily injury or a physical illness lasting for at least 6 consecutive months
• Hearing in both ears, with an auditory threshold of over 90 decibels