Disability

Loss of income - usually associated with Accident Health policies. Workmen's Compensation or Employer's Liability policies. Certain benefits are payable for the period of disability. Total Temporary Disability is where the disability is such as to make the party unable to carry out any part of their normal work, but for which recovery is expected. Partial Temporary Disability is where the party is unable to put in a full time job but in a full time job is nevertheless able to perform one or more of their normal work obligations. Full recovery in due course is to be expected. Total Permanent Disability is a disability that permanently disables the party from resuming their normal gainful employment. Partial Permanent Disability is the impairment of the use of some function of the body as for example the loss of a finger which lessens the efficiency of the individual but nevertheless does not preclude them entirely from earning a living.