An accident can lead to a condition where a person is not able to work due to injuries caused to him. The person can become physically incapable to perform any work/job for the rest of his/her life, therefore leading to loss of income due to disability.
In the insurance world, this condition is termed Permanent Total Disability. This cover is available under Group Personal Accident policies which try to compensate for the loss of income caused due to disability.
1. The person suffers an accident
2. Physical injuries like loss of both arms or legs, one arm, and one leg or both eyes
3. Incapable to earn living/loss of income
Detailed list attached
Learn more: GPA, Permanent Partial Disability
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