Doctor means a person who is registered in Australia as a medical practitioner by the Medical Board of Australia or a medical practitioner with qualifications equivalent to Australian medical practice or registration standards if practising outside Australia. Medical practitioner does not include:

• you;
• your business partner; or
• your Immediate family members.

Where reasonable, we require the Doctor to be a Specialist, particularly if the condition is more commonly diagnosed and treated by a Specialist. Note – a chiropractor, psychologist, physiotherapist and/or allied or alternative health provider is not a medical practitioner unless registered as a medical practitioner by the Medical Board of Australia.

TPD – Home Duties

If the Life Insured was performing full time domestic duties or child rearing and these three criteria apply:

• at the time of application for insurance, and
• for the 12 months prior to the disability, and
• at the time the disability begins,

the Life Insured is Totally and Permanently Disabled if they have a disability caused by sickness or injury and they satisfy the criteria in paragraphs (a),(b) or (c):

(a)

• as a result of their disability they are completely unable to perform any Normal Physical Domestic Duties, and are unlikely ever to be able to do so again; and
• these circumstances have existed
• continuously for at least 3 months,

or

(b)

• they suffer a permanent impairment of at least 25% of Whole Person Function; and
• as a result of this impairment, they are disabled to such an extent that they are completely unable to perform any Normal Physical Domestic Duties, and are unlikely ever to be able to do so again,

(c) they have suffered from the total and irrecoverable loss of:

• the use of both hands; or
• the use of both feet; or
• the sight in both eyes; or
• the use of one hand and one foot; or
• the use of one foot and the sight in one eye; or
• the use of one hand and the sight in one eye.

In all cases, where the Policy is owned by the trustee(s) of a superannuation fund and this Total and Permanent Disability insurance first commenced after 30 June 2014, the Life Insured must also be Permanently Incapacitated.

Normal Physical Domestic Duties means cleaning, cooking meals, doing the laundry, shopping for groceries and taking care of Children.

If the Life Insured was not performing full time domestic duties or child rearing within the three criteria referred to above, the Any Occupation Definition will apply.
 

TPD – Home Duties

If the Life Insured was performing full time domestic duties or child rearing:

• at the time of application for insurance, and
• for the 12 months prior to the disability, and
• at the time the disability begins,

the Life Insured is Totally and Permanently Disabled if they have a disability caused by sickness or injury and they satisfy the criteria in paragraphs (a),(b) or (c):

(a)

• as a result of their disability they are completely unable to perform a majority of the Normal Physical Domestic Duties, and are unlikely ever to be able to do so again; and
• these circumstances have existed continuously for at least 3 months,

or

(b)

• they suffer a permanent impairment of at least 25% of Whole Person Function; and
• as a result of this impairment, they are disabled to such an extent that they are completely unable to perform a majority of the Normal Physical Domestic Duties, and are unlikely ever to be able to do so again,

(c) they have suffered from the total and irrecoverable loss of:

• the use of both hands; or
• the use of both feet; or
• the sight in both eyes; or
• the use of one hand and one foot; or
• the use of one foot and the sight in one eye; or
• the use of one hand and the sight in one eye.

In all cases, where the Policy is owned by the trustee(s) of a superannuation fund and this Total and Permanent Disability insurance first commenced after 30 June 2014, the Life Insured must also be Permanently Incapacitated.

If the Life Insured was not performing full time domestic duties or child rearing-:

• at the time of application for insurance, and
• for the 12 months prior to the disability, and
• at the time the disability begins,

the Any Occupation Definition will apply.

Normal Physical Domestic Duties means the household duties normally performed by a person who remains at home completing full-time unpaid domestic duties. It does not include a person working in a regular occupation including part time and/or paid voluntary work that provides an Income.

Normal Physical Domestic Duties specifically include:

• cooking and preparing meals – meaning the ability to prepare meals using kitchen appliances
• cleaning the home – meaning the ability to carry out the basic internal household chores using domestic equipment such as a vacuum and mop
• washing clothes – meaning the ability to do the household’s laundry
• shopping for groceries – meaning the ability to purchase general household grocery items (excluding online shopping),
• safely driving a car – the physical ability to drive a car, and
• caring for Children – meaning the ability to care for and supervise Children (where applicable).

You will be considered to be unable to carry out Normal Physical Domestic Duties if you are unable to perform four or more of these duties.

Normal Physical Domestic Duties means the household duties normally performed by a person who remains at home completing full-time unpaid domestic duties. It does not include a person working in a regular occupation including part time and/or paid voluntary work that provides an Income.

Normal Physical Domestic Duties specifically include:

• cooking and preparing meals – meaning the ability to prepare meals using kitchen appliances
• cleaning the home – meaning the ability to carry out the basic internal household chores using domestic equipment such as a vacuum and mop
• washing clothes – meaning the ability to do the household’s laundry
• shopping for groceries – meaning the ability to purchase general household grocery items (excluding online shopping),
• safely driving a car – the physical ability to drive a car, and
• caring for Children – meaning the ability to care for and supervise Children (where applicable).

You will be considered to be unable to carry out Normal Physical Domestic Duties if you are unable to perform four or more of these duties.

Multiple Sclerosis – of specified severity

The progressive destruction of the insulating layer of myelin in the brain and spinal cord. The unequivocal diagnosis of Multiple Sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Multiple Sclerosis – of specified severity

The progressive destruction of the insulating layer of myelin in the brain and/or spinal cord. The unequivocal diagnosis of Multiple Sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Doctor means a person who is registered in Australia as a medical practitioner by the Medical Board of Australia or a medical practitioner with qualifications equivalent to Australian medical practice or registration standards if practising outside Australia. Medical practitioner does not include:

• you;
• your business partner; or
• your Immediate family members.

Where reasonable, we require the Doctor to be a Specialist, particularly if the condition is more commonly diagnosed and treated by a Specialist. Note – a chiropractor, psychologist, physiotherapist and/or allied or alternative health provider is not a medical practitioner unless registered as a medical practitioner by the Medical Board of Australia.

Normal Physical Domestic Duties means the household duties normally performed by a person who remains at home completing full-time unpaid domestic duties. It does not include a person working in a regular occupation including part time and/or paid voluntary work that provides an Income.

Normal Physical Domestic Duties specifically includes:

• cooking and preparing meals – meaning the ability to prepare meals using kitchen appliances
• cleaning the home – meaning the ability to carry out the basic internal household chores using domestic equipment such as a vacuum and mop
• washing clothes – meaning the ability to do the household’s laundry
• shopping for groceries – meaning the ability to purchase general household grocery items (excluding online shopping),
• safely driving a car – the physical ability to drive a car, and
• caring for Children – meaning the ability to care for and supervise Children (where applicable).

You will be considered to be unable to carry out Normal Physical Domestic Duties if you are unable to perform four or more of these duties.

Multiple Sclerosis – of specified severity

The progressive destruction of the insulating layer of myelin in the brain and spinal cord. The unequivocal diagnosis of Multiple Sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Multiple Sclerosis – of specified severity

The progressive destruction of the insulating layer of myelin in the brain and/or spinal cord. The unequivocal diagnosis of Multiple Sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Home duties means you have been engaged in full-time normal domestic duties in your own residence for more than six months. If your occupation immediately before the start of Total and Permanent Disability can be described as ‘Home Duties’, then Total and Permanent Disability shall mean that you have, for an uninterrupted period of three months, been under medical supervision with complete inability to perform the majority of Normal Domestic Duties. And we also believe that, after consideration of medical and any other evidence, you are unlikely ever to recover.

Normal Domestic Duties means the household duties normally performed by a person who remains at home completing full-time unpaid domestic duties. It does not include a person working in a regular occupation including part time and/or paid voluntary work that provides an Income.

Normal Domestic Duties specifically includes:

• cooking and preparing meals – meaning the ability to prepare meals using kitchen appliances
• cleaning the home – meaning the ability to carry out the basic internal household chores using domestic equipment such as a vacuum and mop
• washing clothes – meaning the ability to do the household’s laundry
• shopping for groceries – meaning the ability to purchase general household grocery items (excluding online shopping),
• safely driving a car – the physical ability to drive a car, and
• caring for Children – meaning the ability to care for and supervise Children (where applicable).

You will be considered to be unable to carry out Normal Physical Domestic Duties if you are unable to perform four or more of these duties.