Common use of Deafness Clause in Contracts

Deafness. Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by pure tone audiogram test and certified by an Ear, Nose and Throat (ENT) specialist. Total means “the loss of hearing to the extent that the loss is greater than 90decibels across all frequencies of hearing” in both ears. Loss of Limbs The physical separation of two or more limbs, at or above the wrist or ankle level limbs as a result of injury or disease. This will include medically necessary amputation necessitated by injury or disease. The directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded. Loss of Speech Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by and Ear, Nose, Throat (ENT) specialist. All psychiatric related causes are excluded. Aplastic Anaemia Chronic persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following: Blood product transfusion; Marrow stimulating agents; Immunosuppressive agents; or Bone marrow transplantation. The diagnosis must be confirmed by a haematologist using relevant laboratory investigations including Bone Marrow Biopsy resulting in bone marrow cellularity of less than 25% which is evidenced by any two of the following: Absolute neutrophil count of 500/mm³ or less Platelets count less than 20,000/mm³ or less Absolute Reticulocyte count of 20,000/mm³ or less Temporary or reversible Aplastic Anaemia is excluded. In this condition, the bone marrow fails to produce sufficient blood cells or clotting agents. End Stage Liver Failure Permanent and irreversible failure of liver function that has resulted in all three of the following: Permanent jaundice; and Ascites; and Hepatic encephalopathy. Liver failure secondary to alcohol or drug abuse is excluded. End Stage Lung Failure End stage lung disease, causing chronic respiratory failure, as confirmed and evidenced by all of the following: FEV1 test results consistently less than 1 litre measured on 3 occasions 3 months apart; and Requiring continuous permanent supplementary oxygen therapy for hypoxemia; and Arterial blood gas analysis with partial oxygen pressures of 55mmHg or less (PaO2 <55 mm Hg); and Dyspnea at rest. Primary (Idiopathic) Pulmonary Hypertension An unequivocal diagnosis of Primary (Idiopathic) Pulmonary Hypertension by a Cardiologist or specialist in respiratory medicine with evidence of right ventricular enlargement and the pulmonary artery pressure above 30 mm of Hg on Cardiac Cauterization. There must be permanent irreversible physical impairment to the degree of at least Class IV of the New York Heart Association Classification of cardiac impairment. The NYHA Classification of Cardiac Impairment are as follows:

Deafness. Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by pure tone audiogram test and certified by an Ear, Nose and Throat (ENT) specialist. Total means “the loss of hearing to the extent that the loss is greater than 90decibels across all frequencies of hearing” in both ears. Loss of Limbs The physical separation of two or more limbs, at or above the wrist or ankle level limbs as a result of injury or disease. This will include medically necessary amputation necessitated by injury or disease. The directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded. Loss of Speech Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by and Ear, Nose, Throat (ENT) specialist. All psychiatric related causes are excluded. Aplastic Anaemia Chronic persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following: Blood product transfusion; Marrow stimulating agents; Immunosuppressive agents; or Bone marrow transplantation. The diagnosis must be confirmed by a haematologist using relevant laboratory investigations including Bone Marrow Biopsy resulting in bone marrow cellularity of less than 25% which is evidenced by any two of the following: Absolute neutrophil count of 500/mm³ or less Platelets count less than 20,000/mm³ or less Absolute Reticulocyte count of 20,000/mm³ or less Temporary or reversible Aplastic Anaemia is excluded. In this condition, the bone marrow fails to produce sufficient blood cells or clotting agents. End Stage Liver Failure Permanent and irreversible failure of liver function that has resulted in all three of the following: Permanent jaundice; and Ascites; and Hepatic encephalopathy. Liver failure secondary to alcohol or drug abuse is excluded. End Stage Lung Failure End stage lung disease, causing chronic respiratory failure, as confirmed and evidenced by all of the following: FEV1 test results consistently less than 1 litre measured on 3 occasions 3 months apart; and Requiring continuous permanent supplementary oxygen therapy for hypoxemia; and Arterial blood gas analysis with partial oxygen pressures of 55mmHg or less (PaO2 <55 mm Hg); and Dyspnea at rest. Primary (Idiopathic) Pulmonary Hypertension An unequivocal diagnosis of Primary (Idiopathic) Pulmonary Hypertension by a Cardiologist or specialist in respiratory medicine with evidence of right ventricular enlargement and the pulmonary artery pressure above 30 mm of Hg on Cardiac Cauterization. There must be permanent irreversible physical impairment to the degree of at least Class IV of the New York Heart Association Classification of cardiac impairment. The NYHA Classification of Cardiac Impairment are as follows: