Total and permanent disability (TPD) definition
Total and permanent disability (TPD) means that the Insured Member has, directly as a result of an accident, suffered a total and irrecoverable:
Total and permanent disability (TPD) means when as a result of Covered Injury or Covered Illness, and commencing within 365 days from the date of accident or diagnosis, the assured is totally, continuously and permanently disabled and prevented from: (a) engaging in each and every occupation or employment for compensation or profit for which he/she is reasonably qualified by reason of his/her education, training or experience; (b) performing three or more Activities of Daily Living as previously defined either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons, if he/she has no occupation at the time of Injury.