What is the concept of total disability, the definition and standard of total disability

Total disability"Definition.

1. Permanent total blindness in both eyes;

2. Missing above the wrist joints of the two upper limbs or above the ankle joints of the two lower limbs;

3. Missing above the wrist joint of the upper limb and above the ankle joint of the lower limb;

4. Permanent total blindness in one eye and loss of one upper limb above the wrist joint;

5. Permanent and complete blindness in one eye and loss of above the ankle joint of the lower limbs;

6. Permanent and complete loss of limb joint function;

7. Permanent and complete loss of chewing and swallowing function;

8. Extreme impairment of central nervous system function or chest and abdominal organ function, unable to engage in any work for life, and all need help from others in order to maintain daily activities that are necessary for life.

The definition of total disability refers to the disability caused by accidental injury or intrinsic physical illness, and there is an official definition of disability here, and total disability must be identified by a third-party organization, not by an individual or an insurance company.

The criteria for total disability are as follows:

1. Permanent total blindness in both eyes;

2. Missing above the wrist joints of the two upper limbs or above the ankle joints of the two lower limbs;

3. Missing above the wrist joint of one upper limb and above the ankle joint of one limb;

4. Permanent total blindness in one eye and loss of wrist joint above one upper limb;

5. Permanent and complete blindness of one eye and loss of upper ankle joints of the lower limbs;

6. Permanent and complete loss of limb joint function;

7. Permanent and complete loss of chewing and swallowing functions;

8. The central nervous system function or the chest and abdominal organs are extremely impaired, and they cannot engage in any work for life, and they need the help of others in order to maintain the daily living activities necessary for life.

To buy insurance, you must know about total and semi-disabled. Total disability refers to conditions such as brain damage that results in lower intelligence.

Two. 10. Completely unable to take care of oneself in daily life, missing two eyeballs, or completely losing the function of three of the four limbs of the human body. You have to be so serious, or die unexpectedly, to get the millions of total disability benefits. If you are in a car accident and you only lose an eye or a broken leg, this is called a Level 5 disability, and you can generally only claim 60% of the disability insurance amount.

Moreover, many insurance products will have this kind of total disability claim of 1 million, but semi-disabled only claim 100,000, or less. You must pay attention when you buy, otherwise, when it comes to real compensation, you will regret it! Similarly, if you normally buy an accident insurance with an insurance amount of 1 million, the annual premium will be about 300 yuan if the total disability and disability insurance amount are both 1 million.

Therefore, Baibaojun has advised you many times, you must pay attention to every word of the contract when buying insurance. Be sure to come to Baibaojun here to learn more about the basics. Avoid this risk!

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Legal analysis: total disability, also known as high disability, refers to the occurrence of severe physical disability and reaches a certain level, according to popular understanding, one of the following circumstances occurs, that is, total physical disability: 1, blindness in both eyes 2, loss of both hands, or loss of both legs 3, missing one hand and one leg 4, monocular blindness and missing one hand 5, monocular blindness and missing one leg 6, inability to move limbs 7, unable to chew and swallow, can only ingest liquid food 8, lifelong inability to work, need the help of others to maintain life.

Legal basis: Law of the People's Republic of China on the Protection of Persons with Disabilities Article 2: Persons with disabilities refer to persons who, in terms of psychological, physiological, or human structure, have lost or are abnormal in certain organizations or functions, and who have lost all or part of their ability to engage in certain activities in a normal manner. Persons with disabilities include persons with visual disabilities, hearing disabilities, speech disabilities, physical disabilities, intellectual disabilities, mental disabilities, multiple disabilities, and other disabilities.

Disability criteria are set by ***.

1. The definitions are different.

A high degree of disability requires the following:

1. Permanent total blindness in both eyes.

2. Above the wrist joints of the two upper limbs or the ankles of the two lower limbs.

3. One upper limb above the wrist joint and lower limb ankle.

4. Permanent total blindness in one eye and absence of one upper limb above the wrist joint.

5. Permanent total blindness in one eye and loss of upper ankle joints of the lower limbs.

6. Permanent and complete loss of joint function of all limbs.

7. Permanent and complete loss of chewing and swallowing functions.

8. Those who have extremely impaired central nervous system function or chest or abdominal organ function in their daily activities, and need all other people's assistance.

The definitions of total disability are broadly as follows.

1. The original occupation is completely disabled.

Former occupational total disability refers to the loss of the ability of the insured person to perform his or her previous job.

2. Total disability for loss of income.

At the end of the 70s of the 20th century, the United States and Canada produced a special kind of disability income compensation insurance, that is, income protection insurance, which was welcomed by the high-income class. It defines total disability as a loss of income due to the insured person's disability due to illness or accidental injury.

2. The degree of disability is different. The condition of total disability is much more serious than that of high disability, and they are basically incapacitated.

3. The responsibilities in commercial insurance are different. In the case of compliance with the insurance regulations, the liability for total disability is higher than that of high disability, and it is more difficult for the insured to receive compensation.

The difference between presumed total disability and absolute total disability in commercial insurance is that the latter is more serious and has higher liability.

There are several definitions of total disability:

1. Absolute total disability: This is the most serious one, which means that all functions of a person have been lost, strictly speaking, it is the same as a vegetative person; Now basically insurance companies don't use this harsh definition anymore, and it's no different from a dead person;

2. Enumerated total disability: It means that as long as the degree of disability required by the insurance company is reached, it is considered to be total disabled.

3. The original occupation is completely disabled: It means that the person who is disabled cannot engage in the work of the profession, such as the pianist losing his hand.

4. Presumed total disability: The insured is still working, but if any of his facial features are disabled in a single organ or limb disabled, he is presumed to be totally disabled.

2.Multiple limb is missing (above the wrist joint of the upper extremity or above the ankle joint of the lower extremity).

3.Loss of a limb and an eye.

4.Paralyzed, vegetative state (permanent and complete loss of limb joint skills).

5.Permanent loss of chewing and swallowing function.

6.Extremely impaired in the function of the central nervous system or the organs of the chest and abdomen, unable to engage in any work for life, and needing the help of others to maintain the daily activities necessary for life.

Special Total Disability: A disability that is completely unable to perform work in the original occupation.