Disability Benefits

The Total and Permanent Disability (TPD) shall mean disability caused by bodily injury or disease which prevents the member from engaging in any gainful activity

Disability with dismemberment

If a member suffers a loss of one or both arms, of one or both legs, of one arm and one leg, or of both eyes, he\/she shall be considered as totally and permanently disabled. Loss of both arms and both legs shall mean dismemberment by amputation of hand or foot; with respect to eyes, entire and irrecoverable loss of sight.

Disability without dismemberment

If a member becomes sick or meets an accident without resulting to complete inability to engage in any gainful employment and becomes bedridden, he\/she can be considered as totally and permanently disabled if after six (6) months the health condition has not improved as confirmed by a competent doctor.