Permanent total disablement

Permanent total disablement can be defined in a number of ways according to the extent of cover which insurer wish to give. The most common definitions are:

-          Permanent total disablement from gainful employment of any and every kind;

-          Permanent total disablement from the insured’s usual occupation and any other occupation for which they are fitted by knowledge and training;

Permanent total disablement from the insured person’s usual occupation

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