Permanent Partial Disability. If the accident leads to your residence employee suffering the loss of, or permanent loss of use of, one or more of the following within 26 weeks of the accident, we will pay weekly indemnity for the number of weeks written in the “Schedule of Benefits”. The number of weeks cannot exceed 100 in total. This benefit is payable in addition to the sums paid under “Article 2 – Temporary Total Disability”. The residence employee cannot receive benefits both under this article and under “Article 1 – Death” or “Article 3 – Permanent Total Disability”.
(a) Arm, forearm or hand 100 (b) One finger 25
Permanent Partial Disability. If the accident leads to your residence employee suffering the loss of, or permanent loss of use of, one or more of the following within 26 weeks of the accident, we will pay weekly indemnity for the number of weeks written in the Schedule of Benefits. The number of weeks cannot exceed 100 in total.
Permanent Partial Disability. If You meet with Accidental Bodily Injury during the Policy Period that causes You Permanent Partial Disability within 12 months, We will pay the percentage shown in the table below applied to the Sum Insured shown under the Schedule. Nature of Disability Amount Payable An arm at the shoulder joint 70% An arm above the elbow joint 65% An arm beneath the elbow joint 60% A hand at the wrist 55% A thumb 20% An index finger 10% Any other finger 5% A leg above mid-thigh 70% A leg up to mid-thigh 60% A leg up to beneath the knee 50% A leg up to mid-calf 45% A foot at the ankle 40% A large toe 5% Any other toe 2% An eye 50% Hearing of one ear 30% Hearing of both ears 75% Sense of smell 10% Sense of taste 5%
i. If Your Permanent Partial Disability is not listed in the table, then We will pay a proportion of the Sum Insured shown under the Schedule. You agree that the amount payable by Us will be decided on the basis of the disability certificate issued by the concerned Government Authority which would specify the degree to which Your normal functional physical capacity has been impaired permanently.
ii. If You were already suffering from Permanent Partial Disability before the date You met with Accidental Bodily Injury, then the amount We pay will be reduced by that extent. You agree that the reduction will be decided by a Doctor according to the degree of Permanent Partial Disability from which You were already suffering.
Permanent Partial Disability. 1. A permanent partial disability award or combination of awards granted an injured worker may not exceed a permanent partial disability rating of one hundred percent (100%) to any body part or to the body as a whole. The determination of permanent partial disability shall be the responsibility of the Commission through its administrative law judges. Any claim by an employee for compensation for permanent partial disability must be supported by competent medical testimony of a medical doctor, osteopathic physician, or chiropractor, and shall be supported by objective medical findings, as defined in this act. The opinion of the physician shall include employee's percentage of permanent partial disability and whether or not the disability is job-related and caused by the accidental injury or occupational disease. A physician's opinion of the nature and extent of permanent partial disability to parts of the body other than scheduled members must be based solely on criteria established by the current edition of the American Medical Association's "Guides to the Evaluation of Permanent Impairment". A copy of any written evaluation shall be sent to both parties within seven (7) days of issuance. Medical opinions addressing compensability and permanent disability must be stated within a reasonable degree of medical certainty. Any party may submit the report of an evaluating physician.
2. Permanent partial disability shall not be allowed to a part of the body for which no medical treatment has been received. A determination of permanent partial disability made by the Commission or administrative law judge which is not supported by objective medical findings provided by a treating physician who is a medical doctor or doctor of osteopathy or a qualified independent medical examiner shall be considered an abuse of discretion.
3. The examining physician shall not deviate from the Guides except as may be specifically provided for in the Guides.
4. In cases of permanent partial disability, the compensation shall be seventy percent (70%) of the employee’s average weekly wage, not to exceed Three Hundred Twenty-three Dollars ($323.00) per week, for a term not to exceed a total of three hundred fifty (350) weeks for the body as a whole.
5. Except pursuant to settlement agreements entered into by the employer and employee, payment of a permanent partial disability award shall be deferred and held in reserve by the employer or insurance company if the employee has reached max...
Permanent Partial Disability. 1. Coverage B. of this form applies to compensation payable to an Insured Person as the result of an “accident” to such Insured Person, but only if:
a. a limit of insurance for this coverage is shown on the “Policy Declarations”;
b. the “accident” takes place in the “coverage territory”;
c. the “accident”:
i. occurs at any time during the policy period, and
ii. directly results, within 365 consecutive days of such “accident” and independently of all other causes, in the loss to the Insured Person of:
(a) one or both arms, by paralysis or complete severance through or above the elbow joint;
(b) one or both feet, by paralysis or complete severance through or above the ankle joint but below the knee joint;
(c) one or more fingers or thumbs, by paralysis or complete severance through or above the first phalange;
(d) one or both hands, by paralysis or complete severance through or above the wrist joint but below the elbow joint;
(e) hearing in one or both ears, by total and permanent deafness;
(f) one or both legs, by paralysis or complete severance through or above the knee joint;
(g) sight in one or both eyes, by total and permanent blindness;
(h) speech, by total and permanent muteness.
2. When an “accident” results in compensation being payable under this coverage, the Insurer will also pay the reasonable and necessary expenses incurred solely as the result of such “accident” for:
Permanent Partial Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, we will pay the amount specified in the table below:
i. Total and irrecoverable loss of sight in one eye 50%
ii. Loss of one hand or one foot 50% iii. Loss of all toes - any one foot 10%
iv. Loss of toe great - any one foot 5%
v. Loss of toes other than great, if more than one toe lost, each 2% vi. Total and irrecoverable loss of hearing in both ears 50%
vii. Total and irrecoverable loss of hearing in one ear 15% viii. Total and irrecoverable loss of speech 50% ix. Loss of four fingers and thumb of one hand 40% x. Loss of four fingers 35% xi. Loss of thumb- both phalanges 25% xii. Loss of thumb- one phalanx 10%
xiii. Loss of index finger-three phalanges 10%
xiv. Loss of index finger-two phalanges 8%
xv. Loss of index finger-one phalanx 4%
xvi. Loss of middle/ring/little finger-three phalanges 6%
xvii. Loss of middle/ring/little finger-two phalanges 4%
xviii. Loss of middle/ring/little finger-one phalanx 2% This Benefit will be payable provided that:
a. Except in cases of physical separation, the Permanent Partial Disability continues for a period of at least 180 days from the commencement of the Permanent Partial Disability and the Disability Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that there is no reasonable medical hope of improvement;
b. If the Insured Person suffers a loss that is not of the nature of Permanent Partial Disability specified in the table above, then the independent medical advisors will determine the degree and percentage of such disability;
c. We will not make any payment under this Benefit if We have already paid or accepted any claims under the Policy in respect of the Insured Person and the total amount paid or payable under the claims is cumulatively greater than or equal to the Sum Insured for that Insured Person;
d. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this benefit and claims already admitted under Benefit 1.1 (Accidental Death Benefit), Benefit 1.2 (Permanent Total Disability), Benefit 1.3 (Permanent Partial Disability) and Benefit 1.4 (Temporary Total Disability) in respect of the Insured Person will cumulatively exceed the...
Permanent Partial Disability. Disability Certificate from Civil Surgeon of Government Hospital stating the total and continuous loss or impairment of a body part or sensory organ, w ith the percentage of disability
Permanent Partial Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, we will pay the amount specified in the table below: Nature of Permanent Partial Disability Percentage of the Sum Insured payable Nature of Permanent Partial Disability Percentage of the Sum Insured payable i. Total and irrecoverable loss of sight in one eye 50% ii. Loss of one hand or one foot 50% iii. Loss of all toes - any one foot 10% iv. Loss of toe great - any one foot 5% v. Loss of toes other than great, if more than one toe lost, each 2% vi. Total and irrecoverable loss of hearing in both ears 50% vii. Total and irrecoverable loss of hearing in one ear 15% viii. Total and irrecoverable loss of speech 50% ix. Loss of four fingers and thumb of one hand 40% x. Loss of four fingers 35% xi. Loss of thumb- both phalanges 25% xii. Loss of thumb- one phalanx 10% xiii. Loss of index finger-three phalanges 10% xiv. Loss of index finger-two phalanges 8%
Permanent Partial Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Coverage Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, we will pay the amount specified in the table below: Total and irrecoverable loss of sight in one eye 50% Loss of one hand or one foot 50% Loss of all toes - any one foot 10% Loss of toe great - any one foot 5% Loss of toes other than great, if more than one toe lost, each 2% Total and irrecoverable loss of hearing in both ears 50% Total and irrecoverable loss of hearing in one ear 15% Total and irrecoverable loss of speech 50% Loss of four fingers and thumb of one hand 40% Loss of four fingers 35% Loss of thumb- both phalanges 25% Loss of thumb- one phalanx 10% Loss of index finger-three phalanges 10% Loss of index finger-two phalanges 8% Loss of index finger-one phalanx 4% Loss of middle/ring/little finger-three phalanges 6% Loss of middle/ring/little finger-two phalanges 4% Loss of middle/ring/little finger-one phalanx 2% This Benefit will be payable provided that: The Permanent Partial Disability continues for a period of at least 180 days from the commencement of the Permanent Partial Disability and the Disability Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that there is no reasonable medical hope of improvement; If the Insured Person suffers a loss that is not of the nature of Permanent Partial Disability specified in the table above, then the independent medical advisors will determine the degree and percentage of such disability; We will not make any payment under this Benefit if We have already paid or accepted any claims under the Policy in respect of the Insured Person and the total amount paid or payable under the claims is cumulatively greater than or equal to the Sum Insured for that Insured Person; If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this benefit and claims already admitted under Benefit 4.1.1. (Accidental Death Benefit), Benefit 4.1.2 (Permanent Total Disability) and Benefit 4.1.3 (Permanent Partial Disability) in respect of the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured then Our maximum, total and cumulative liability under any and all such claims will be limited to the Common Death or Disability...
Permanent Partial Disability. If the Insured Person suffers an Injury due to an Accident that occurs during the Trip within the Policy Period and the Injury solely and directly results in permanent partial disability then We agree to pay the percentage of the Sum Insured shown in the Table of Events below and as specified in the Schedule. The Table of Events below sets out the events which constitute ‘Permanent Partial Disablement’. Special Conditions
