Loss of Independent Existence Sample Clauses
The 'Loss of Independent Existence' clause defines the circumstances under which an individual is considered to have lost the ability to live independently, typically due to severe physical or cognitive impairment. This clause often outlines specific criteria, such as the inability to perform basic activities of daily living (like bathing, dressing, or feeding oneself) without substantial assistance. Its core practical function is to establish a clear standard for triggering benefits or obligations under insurance or care agreements, ensuring that support is provided when a person can no longer function independently.
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Loss of Independent Existence. A condition as a result of a disease, illness or injury whereby the life insured is unable to perform (whether aided or unaided) at least 3 of the following 6 "Activities of Daily Living", for a continuous period of 6 months. This condition must be confirmed by the company's approved doctor. Non-organic diseases such as neurosis and psychiatric illnesses are excluded. For the purpose of this definition, “aided” shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid.
Loss of Independent Existence. A condition as a result of a disease, illness or injury whereby the Life Assured is unable to perform (whether aided or unaided) at least 3 of the following 6 "Activities of Daily Living", for a continuous period of 6 months.
Loss of Independent Existence. Confirmation by an appropriate specialist of the loss of independent existence resulting in a Permanent inability to perform at least three (3) of the Activities of Daily Living. A minimum Assessment Period of six (6) months applies.
Loss of Independent Existence. HIV Due to Blood Transfusion and Occupationally Acquired HIV
Loss of Independent Existence. A condition as a result of a disease, illness or injury whereby the Life Assured is unable to perform (whether aided or unaided) at least 3 of the 6 "Activities of Daily Living", for a continuous period of 6 months. This condition must be confirmed by the company's approved doctor. Non-organic diseases such as neurosis and psychiatric illnesses are excluded. For the purpose of this definition, “aided” shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. A definite diagnosis of cardiomyopathy by a cardiologist which results in permanently impaired ventricular function and resulting in permanent physical impairment of at least Class III of the New York Heart Association's classification of cardiac impairment. The diagnosis has to be supported by echocardiographic findings of compromised ventricular performance. The NYHA Classification of Cardiac Impairment for Class III and Class IV means the following: Class III: Marked limitation of physical activity. Comfortable at rest but less than ordinary activity causes symptoms. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest. Cardiomyopathy directly related to alcohol or drug abuse is excluded.
Loss of Independent Existence. (Intermediate Stage) A condition as a result of a disease, illness or injury whereby the Life insured is unable to perform (whether aided or unaided) at least two (2) out of the six (6) Activities of Daily Living for a continuous period of six (6) months. This condition must be confirmed by the Company's approved doctor. Non-organic diseases such as neurosis and psychiatric illnesses are excluded. For the purpose of this definition, “aided” shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. perform (whether aided or unaided) at least 3 of the 6 "Activities of Daily Living", for a continuous period of six (6) months. This condition must be confirmed by the company's approved doctor. Non-organic diseases such as neurosis and psychiatric illnesses are excluded. For the purpose of this definition, “aided” shall mean with the aid of special equipment, device and/or apparatus and not pertaining to human aid. *The Life Insurance Association Singapore (LIA) has standard Definitions for 37 severe-stage Critical Illnesses (Version 2019). These Critical Illnesses fall under Version 2019. You may refer to ▇▇▇.▇▇▇.▇▇▇.▇▇ for the standard Definitions (Version 2019).
Loss of Independent Existence