COMPARISON OF DREAD DISEASE PAYOUTS Living Lifestyle with Top-Up and Extended Options

Transcription

1 COMPARISON OF DREAD DISEASE PAYOUTS Living Lifestyle with Top-Up and Extended Options

2 COMPARISON OF DREAD DISEASE PAYOUTS Living Lifestyle with Top-Up and Extended Options NB!! SURVIVAL PERIOD IS ONLY 14 DAYS FROM THE DATE OF DIAGNOSIS OF THE CONDITION OR CONDITIONS CONCERNED!! Standard: Extended: Top-up: Combined: DISEASES Living Lifestyle without Extended or Top-Up options Living Lifestyle with Extended option only Living Lifestyle with Top-Up option only Living Lifestyle with Top Up and Extended options 1. CANCER AND LEUKAEMIA Cancer Cancer is defined is defined as the as the presence presence of a of malignant a malignant tumour tumour rated rated according according to the appropriate staging criteria characterised by the uncontrolled to the appropriate growth and staging spread of criteria malignant characterised cells with by the the invasion uncontrolled of normal tissue. Unequivocal histological evidence of invasive malignancy growth and must spread be provided. of malignant cells with the invasion of normal tissue. Unequivocal histological evidence of invasive malignancy must be All tumors provided. with malignant potential are covered once metastases have been demonstrated. All skin cancers with evidence of metastases are covered. a) Prostate Cancer T1N0M0 Nil 5% Nil 5% b) Prophylactic mastectomy for carcinoma-in-situ of breast Nil 10% Nil 10% c) Prostate Cancer - T2N0M0 (any grade) or any other Stage 1 Cancer; or 25% 25% 100% 100% Diagnosis of Leukaemia d) Prostate Cancer - T3N0M0 (any grade) or any other Stage 2 Cancer 50% 50% 100% 100% e) Prostate Cancer - T4N0M0 (any grade) or any other Stage 3 Cancer 75% 75% 100% 100% f) Prostate Cancer with distant metastases or lymph nodes, or 100% 100% 100% 100% any other Stage 4 Cancer; or Failure of treatment for Leukaemia; or 100% 100% 100% 100% Relapse of Leukaemia, or 100% 100% 100% 100% Diagnosis of Acute Myoblastic Leukaemia with poor prognosis, or 100% 100% 100% 100% Requiring Bone Marrow Transplant for Leukaemia 100% 100% 100% 100% Basal cell carcinoma and Squamous cell carcinoma, as well as malignant melanomas of less than 1.5mm maximum thickness using the Breslow method without ulceration. Stage 1 Hodgkin s disease All conditions histologically described as pre-malignant or cancer-in-situ including CIN 1, CIN 2 and CIN 3 of the cervix AIDS related claims (which will be considered under the Advanced AIDS section) Chronic Lymphocytic Leukaemia stage 0 (using RAI staging system) Polycythemia Vera 2. CARDIAC AND CARDIOVASCULAR SYSTEM 2.1 Valvular Heart Disease This refers to any abnormality of any one of the heart valves - the tricuspid, mitral, aortic or pulmonary valves. a) Require valvotomy/valvuloplasty or keyhole cardiac surgery to Nil 10% Nil 10% repair the abnormality b) Require valve replacement or open heart surgery to repair the 25% 25% 25% 25% abnormality c) Receiving optimal treatment but still NYHA Class 2 50% 50% 50% 50% with METS <7 and EF <55% but > or = 50% d) Receiving optimal treatment but still NYHA Class 3 75% 75% 100% 100% with METS <5 and EF <50% but > or = 40% e) Receiving optimal treatment but still NYHA Class 4 100% 100% 100% 100% with METS<3 and EF <40% or a heart transplant

3 2. CARDIAC AND CARDIOVASCULAR SYSTEM (contd) 2.2 Coronary Artery Disease If the coronary arteries become narrowed or occluded due to coronary artery disease, this results in reduced blood flow to the heart muscle. The payouts are dependent on the interventions required to correct this condition. a) Unstable angina requiring thrombolytic therapy Nil 10% Nil 10% (Excluding anti-coagulants and platelet inhibitors) or b) Requiring angioplasty with or without a single stent. 10% 10% 10% 10% c) Requiring angioplasty with more than one stent, or 25% 25% 25% 25% Keyhole cardiac surgery via the thoracic wall; or Second angioplasty with one or more stent(s), more than 6 months after the first procedure. d) Requiring Coronary Artery Bypass Graft Surgery involving one 50% 50% 100% 100% to two vessels. e) Requiring Coronary Artery Bypass Graft Surgery involving 75% 75% 100% 100% three vessels. f) Requiring Coronary Artery Bypass Graft Surgery involving more 100% 100% 100% 100% than three vessels, or A heart transplant. 2.3 Myocardial Infarction (Heart Attack) This is an acute event resulting in new ECG changes typical of myocardial infarction with an elevation of cardiac enzymes 2.5 times the normal limit or cardiac markers raised where the Trop T > 1.0 or Trop I > 0.5. The cardiac dysfunction is measured at least 30 days post infarct with a post-infarct stress test and/or echocardiogram to establish the degree of permanent dysfunction. a) With no cardiac dysfunction 50% 50% 100% 100% b) With cardiac dysfunction, EF <50% but > or = to 40% 75% 75% 100% 100% c) With cardiac dysfunction, EF <40% or a heart transplant 100% 100% 100% 100% 2.4 Cardiomyopathy This is the confirmed diagnosis of dilated, restrictive or hypertrophic cardiomyopathy requiring ongoing treatment for heart failure. a) Cardiomyopathy confirmed on echocardiogram and NYHA Class 3 75% 75% 100% 100% with METS < 5 or symptomatic due to life- threatening arrhythmias b) Cardiomyopathy confirmed on echocardiogram and NYHA Class 4 100% 100% 100% 100% with METS <3 Alcohol or substance-abuse cardiomyopathy Peripartum cardiomyopathy 2.5 Pericardial Disease Pericardial disease is defined as chronic inflammation due to various causes, resulting in thickening and calcification of the pericardium. a) Requiring pericardectomy or keyhole cardiac surgery Nil 10% Nil 10% b) Receiving optimal treatment but still NYHA class 3 75% 75% 100% 100% with METS <5 c) Receiving optimal treatment but still NYHA class 4 100% 100% 100% 100% with METS <3 2.6 Arrhythmias An arrhythmia is a variation from the normal rhythm of the heartbeat. Payouts are dependent on the interventions required to correct this condition. a) Permanent atrial fibrilation on optimal treatment Nil 5% Nil 5% b) Pathway ablation. Nil 10% Nil 10% c) Requiring permanent pacemaker insertion. 25% 25% 25% 25% d) Requiring permanent defibrillator insertion. 50% 50% 100% 100%

4 2. CARDIAC AND CARDIOVASCULAR SYSTEM (contd) 2.7 Peripheral arterial disease The term peripheral arterial disease refers to chronic damage or dysfunction of peripheral arteries. This includes carotid arteries. a) Requiring angioplasty or stent or endarterectomy to peripheral artery Nil 10% Nil 10% b) Requiring bypass surgery to peripheral artery 25% 25% 25% 25% c) Symptomatic despite optimal treatment - intermittent claudication 50% 50% 100% 100% and/or ulcers d) Symptomatic despite optimal treatment - persistent rest pain 75% 75% 100% 100% e) Gangrene or loss of limb due to peripheral arterial disease 100% 100% 100% 100% 2.8 Aortic Aneurysm This is a dilatation of a section of the aorta. a) Asymptomatic abdominal or thoracic aortic aneurysm greater than 50% 50% 100% 100% 50mm in diameter b) Surgery (including keyhole surgery) to the abdominal or thoracic 100% 100% 100% 100% aorta to repair an aneurysm, a dissecting aneurysm or a narrowing aorta 3. CEREBROVASCULAR INCIDENT (STROKE) Stroke is defined as any cerebrovascular incident (CVI) producing neurological sequelae. There must be evidence of permanent appropriate neurological deficit relating to the lesion as seen on CT or MRI scan. These are assessed according to the Living Lifestyle Activities of Daily Living (ADL) table. a) With full recovery 25% 25% 25% 25% b) With persistent neurological impairment after 3 months assessed 50% 50% 100% 100% according to the Living Lifestyle ADL table (permanent failure of 2 moderate or 1 moderate and 3 mild categories) c) With persistent neurological impairment after 3 months assessed 75% 75% 100% 100% according to the Living Lifestyle ADL table (permanent failure of 3 moderate categories) d) With persistent neurological impairment after 3 months assessed according to 100% 100% 100% 100% the Living Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories) Transient Ischaemic Attack and Amourosis Fugax Migraine Vascular disease affecting vestibular function. 4. MULTIPLE SCLEROSIS (MS) The diagnosis of clinically confirmed MS must have been confirmed by a specialist neurologist. Two separate clinical events must have occurred resulting in permanent neurological sequelae. These sequelae must have involved a minimum of 2 major neurological areasi.e. The optic nerves, motor, sensory or cerebellar. a) Optic neuritis where 2 or more plaques are seen to be demyelinating Nil 10% Nil 10% on an MRI b) On definite diagnosis of Multiple Sclerosis 25% 25% 25% 25% c) Relapsing-remitting Multiple Sclerosis assessed according to the Living 50% 50% 100% 100% Lifestyle ADL table (permanent failure of 2 moderate, or 1 moderate and 3 mild categories) d) Relapsing-remitting Multiple Sclerosis assessed according to the Living 75% 75% 100% 100% Lifestyle ADL table (permanent failure of 3 moderate categories) e) Progressive Multiple Sclerosis with supporting medical evidence; or 100% 100% 100% 100% Multiple Sclerosis, assessed according to the Living Lifestyle ADL table, (permanent failure of 1 major or 4 moderate categories) Conditions of the Central Nervous System due to other causes.

5 5. MOTOR NEURON DESEASE This is a degenerative disease of unknown cause that predominantly affects the motor neurons of the nervous system a) Definite diagnosis of Motor Neuron Disease 100% 100% 100% 100% 6. PARKINSONS DISEASE Parkinson s Disease is a progressive, degenerative disease of the central nervous system of unknown aetiology. The unequivocal diagnosis of Parkinson s Disease must be confirmed by neurologist. The impairment must be persistant in spite of optimal treatment. a) Completely independent, but with slowness and difficulty in movement 25% 25% 25% 25% (presence of cogwheel rigidity) b) Parkinson s Disease, assessed according to the Living Lifestyle ADL table 50% 50% 100% 100% (permanent failure of 2 moderate, or 1 moderate and 3 mild categories). c) Parkinson s Disease, assessed according to the Living Lifestyle ADL table 75% 75% 100% 100% (permanent failure of 3 moderate categories). d) Parkinson s Disease, assessed according to the Living Lifestyle ADL table 100% 100% 100% 100% (permanent failure of 1 major or 4 moderate categories). Similar symptoms due to other causes 7. ALZHEIMER S DISEASE AND PROGRESSIVE DEMENTIA Alzheimer s Disease and Progressive Dementia - due to a deterioration of intellectual function and cognitive skills, leading to a decline in the ability to perform Activities of Daily Living. a) Diagnosis of Alzheimer s disease or progressive dementia in accordance 100% 100% 100% 100% with the latest DSM-IV criteria. Delirium Pseudodementia 8. OTHER CENTRAL NERVOUS SYSTEM DISORDERS a) Benign brain tumour requiring surgery, with full recovery, or Nil 10% Nil 10% Symptomatic due to raised intracranial pressure, or Nil 10% Nil 10% Intracranial aneurysm or an arterio-venous malformation requiring Nil 10% Nil 10% surgical intervention. b) Recurrent benign brain tumour requiring treatment. 25% 25% 25% 25% c) Benign brain tumour, intracranial aneurysm or arterio-venous 50% 50% 100% 100% malformation resulting in permanent neurological impairment, assessed according to the Living Lifestyle ADL table (permanent failure of 2 moderate, or 1 moderate and 3 mild categories); or Glasgow Coma Scale score < or = to 10 but > 8, persisting for more than 96 hours, resulting in permanent neurological impairment, assessed according to the Living Lifestyle ADL table (permanent failure of 2 moderate, or 1 moderate and 3 mild categories). d) Benign brain tumour, intracranial aneurysm or arterio-venous 75% 75% 100% 100% malformation resulting in permanent neurological impairment, assessed according to the Living Lifestyle ADL table (permanent failure of 3 moderate categories). Glasgow Coma Scale score < or = to 8 but > 6, persisting for more than 96 hours, resulting in permanent neurological impairment, assessed according to the Living Lifestyle ADL table (permanent failure of 3 moderate categories). e) Benign brain tumour, intracranial aneurysm or arterio-venous 100% 100% 100% 100% malformation resulting in permanent neurological impairment, assessed according to the Living Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories); or Complete inability to communicate or comprehend language symbols; or

6 f) Glasgow Coma Scale score < or = 6, persisting for more than 96 hours, 100% 100% 100% 100% resulting in permanent neurological impairment, assessed according the Living Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories). Asymptomatic tumours Microadenomas of the pituitary gland All drug and/or alcohol and/or pharmacologically induced comas 9. RENAL FAILURE Renal failure is the chronic, irreversible and total failure of both kidneys requiring regular dialysis treatment or renal transplantation. Diagnosis is to be confirmed by a nephrologist. a) Disease or disorder requiring a total or partial nephrectomy Nil 10% Nil 10% b) Requiring regular dialysis or renal transplant 100% 100% 100% 100% Specific Exclusion: Nephrectomy done for donor purposes. 10. RESPIRATORY FAILURE The diagnosis is to be confirmed by a pulmonologist using the appropriate special investigations, including those specified. a) Chronic irreversible lung disease with FEV1 of 40-50% (obstructive) or 50% 50% 100% 100% FVC of 40-50% predicted (restrictive) b) Irreversible end stage respiratory failure (FEV1 1 litre for obstructive lung 100% 100% 100% 100% disease or FVC 1 litre for restrictive lung disease with clinical signs and symptoms or FEV1 < 40% predicted or FVC < 40% predicted). c) Lung or Heart-Lung transplant 100% 100% 100% 100% 11. CHRONIC LIVER FAILURE Chronic and irreversible liver failure as confirmed by clinical and histological evidence. The diagnosis is to be confirmed by a gastroenterologist. End stage liver failure; or requiring a liver transplant 100% 100% 100% 100% Specific Exclusion: Alcohol or drug abuse related disease 12. APLASTIC ANAEMIA This form of anaemia occurs when the bone marrow ceases to produce sufficient blood components, due to total failure of the bone marrow. Diagnosis confirmed by a haemotologist and requiring one of the following: a) Repeated blood or blood product transfusions, or 100% 100% 100% 100% b) Bone marrow transplantation 100% 100% 100% 100% 13. INFLAMMATORY BOWEL DISEASE Crohn s Disease and Ulcerative Colitis are covered these chronic autoimmune diseases can affect any part of the gastrointestinal tract. The diagnosis must be confirmed by a gastroenterologist or specialist physician. a) Unequivocal diagnosis of Crohn s Disease or Ulcerative Colitis requiring 25% 25% 25% 25% ongoing treatment with immunomodulators or corticosteroid dependent b) Unequivocal diagnosis of Crohn s Disease or Ulcerative Colitis requiring 50% 50% 50% 50% permanent colostomy or ileostomy

7 14. CHRONIC PANCREATITIS Inflammatory disease of the pancreas characterised by fibrosis and irreversible loss of exocrine function. The diagnosis must be confirmed by a gastroenterologist or specialist physician. a) Chronic pancreatitis with major complications, namely: Malabsorbtion 50% 50% 100% 100% syndrome; or impaired glucose tolerance b) Pancreas transplant 100% 100% 100% 100% Specific Exclusion: Alcohol and drug abuse related pancreatitis. Acute pancreatitis PAYABLE PAYABLE 15. MUSCULAR DYSTROPHY Definite diagnosis of muscular dystrophy as confirmed by a specialist and 100% 100% 100% 100% assessed according to the Brain and Cerebrovascular System s Living Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories). 16. PARALYSIS The complete and irreversible loss of strength in an affected limb or muscle group caused by nerve damage in the brain or spinal cord. Diagnosis is to be confirmed by a Neurologist. a) Paraplegia; or 75% 75% 100% 100% b) Diplegia; or 75% 75% 100% 100% c) Hemiplegia 75% 75% 100% 100% d) Quadriplegia; or 100% 100% 100% 100% e) Paraplegia with permanent incontinence 100% 100% 100% 100% 17. SYSTEMATIC LUPUS ERYTHEMATOSIS (SLE) This is a chronic inflammatory autoimmune disease, which may involve the skin, joints, kidneys, brain, heart and lungs. The unequivocal diagnosis of Systemic Lupus Erythematosis, including a positive anti-nuclear antibody test, must be confirmed by a specialist physician. a) Diagnosis of Systemic Lupus Erythenatosis involving one major organ Nil 10% Nil 10% excluding the skin. b) Complications involving the musculoskeletal system requiring surgical 50% 50% 50% 50% intervention. c) More than one major organ involvement (excluding the skin) requiring 75% 75% 100% 100% continuous ongoing therapy to prevent relapse d) Chronic progressive involvement of the heart, kidneys, lungs or central 100% 100% 100% 100% nervous system despite optimal treatment. Specific Exclusion: Other connective tissue disorders 18. RHEUMATOID ARTHRITIS Rheumatoid Arthiritis is a chronic inflammatory disease in which there is musculoskeletal and systemic involvement. The diagnosis is to be confirmed by a rheumatologist. a) Musculoskeletal involvement of the major joints with good response to Nil 10% Nil 10% ongoing therapy b) Musculoskeletal involvement assessed according to the Rheumatoid 50% 50% 50% 50% Arthiritis ADL table (permanent failure of 1 moderate category). c) Musculoskeletal involvement assessed according to the Rheumatoid 75% 75% 100% 100% Arthritis ADL table (permanent failure of 2 moderate or 1 major category). d) Progressive systemic involvement of the heart or lungs or vasculitis 100% 100% 100% 100% despite optimal therapy; or e) Musculoskeletal involvement assessed according to the Rheumatoid 100% 100% 100% 100% Arthritis ADL table (permanent failure of 2 major categories). Specific Exclusion: Other connective tissue disorders and arthritic disorders PAYABLE PAYABLE PAYABLEPAYABLE

8 19. LOSS OF HEARING a) Total loss of hearing in one ear Nil 10% Nil 10% b) Total loss of hearing in both ears 100% 100% 100% 100% 20. LOSS OF SIGHT The diagnosis and permanence of the conditions to be confirmed by ophthalmologist. a) Retinal detachment Nil 10% Nil 10% b) Total loss of sight in one eye 25% 25% 25% 25% c) Total blindness 100% 100% 100% 100% Congenital blindness Cataracts and other treatable causes of visual impairment PAYABLE 21. TRAUMATIC BRAIN INJURY Traumatic injury to the brain, caused by an external physical force, resulting in permanent neurological impairment. Diagnosis is to be confirmed by a neurologist. a) Requiring surgical intervention (excl burrhole surgery), or admittance Nil 10% Nil 10% to a recognised rehabilitation institution for more than 30 days b) Permanent neurological deficit, assessed according to the Living 50% 50% 50% 50% Lifestyle ADL table (permanent failure of 2 moderate, or 1 moderate and 3 mild categories). c) Permanent neurological deficit, assessed according to the Living 75% 75% 75% 75% Lifestyle ADL table (permanent failure of 3 moderate categories). d) Permanent neurological deficit, assessed according to the Living 100% 100% 100% 100% Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories) COMA A deep prolonged unconsciousness where the patient cannot be aroused. The person is comatose as a result of an accident. The severity of the condition presenting itself is determined by the score obtained on the Glasgow coma scale. a) Permanent neurological impairment, assessed according to the Living 50% 50% 100% 100% Lifestyle ADL table (permanent failure of 2 moderate, or 1 moderate and 3 mild categories); or Glasgow Coma Scale score 10 but > 8, measured on admission and persisting for more than 96 hours resulting in permanent neurological deficit. b) Permanent neurological impairment, assessed according to the Living 75% 75% 100% 100% Lifestyle ADL table (permanent failure of 3 moderate categories); or Glasgow Coma Scale score 8 but > 6, measured on admission and persisting for more than 96 hours resulting in permanent neurological deficit. c) Permanent neurological impairment, assessed according to the Living 100% 100% 100% 100% Lifestyle ADL table (permanent failure of 1 major or 4 moderate categories); or Glasgow Coma Scale score 6, measured on admission and persisting for more than 96 hours resulting, in permanent neurological deficit. All drug and/or alcohol and/or pharmacologically induced comas.

9 23. LOSS OF AND LOSS OF USE OF LIMBS This is the total, permanent and irreversible loss of or loss of use of an arm(s) or a leg(s) due to trauma. The loss of use of arm(s) or leg(s) must be equivalent to limb amputation. The partial loss of the use of a limb does not equate to amputation. a) Loss of or total loss of use of either one arm below the elbow; or 25% 25% 25% 25% Loss of or total loss of use of one leg below the knee b) Loss of or total loss of use of one arm above the elbow; or 50% 50% 50% 50% Loss of or total loss of use of one leg above the knee c) Loss of or total loss of use of both legs 75% 75% 100% 100% d) Loss of or total loss of use of both arms above or below the elbow; or 100% 100% 100% 100% Loss of or total loss of use of one arm and one leg; or Loss of or total loss of use of both arms and one leg; or Loss of or total loss of use of one arm and both legs. 24. MAJOR BURNS The severity of burns depends on the depth, area and location of the burn. Payout depends on the severity of the burn. a) Full thickness burns involving one hand Nil 10% Nil 10% b) Partial thickness burns covering more than 25% of the body surface area or 25% 25% 25% 25% partial/full thickness burns of the face or both hands c) Full thickness burns involving more than 10% but less than or equal to 20% 50% 50% 100% 100% of the body surface area d) Full thickness burns involving more than 20% but less than or equal to 30% 75% 75% 100% 100% of the body surface area e) Full thickness burns involving more than 30% of the body surface area 100% 100% 100% 100% 25. ACCIDENTAL HIV The contraction of HIV due to: Accidental needlestick injury acquired in the execution of professional duties as a medical or dental practitioner, a nurse or a paramedic, registered with the appropriate professional council. A HIV test must be performed within 24 hours to confirm an HIV negative status at the time of the needlestick injury. There must be proof that the patient has been started on a course of anti-retroviral drugs. Rape or indecent assault. The offence must have been reported to the South African Police Service (SAPS) and a criminal case opened. An HIV test must have been performed within 24 hours of the assault to confirm an HIV negative status at the time of the assault. A medical examination must have been performed within 24 hours after the incident. There must be proof that the patient has been started on a course of anti-retroviral drugs. Receiving an organ transplant where the transplanted organ identified as the cause of the HIV infection. Transfusion of infected blood or blood products from a transfusion service recognised by Liberty Life, after commencement of the policy. The transfusion must be identified as the cause of the HIV infection. Proof of the above to the satisfaction of Liberty Life s Chief Medical Officer. 100% 100% 100% 100% 26. ADVANCED AIDS Clinical manifestation of AIDS supported by: 1. Positive HIV test 2. A persistent CD4 cell count of less than 200 despite being on accepted anti-retroviral treatment, as prescribed and monitored by a registered physican, including 3or more of the following conditions: - Weight loss of >10% body mass in less than 6 months - Shingles - Chronic diarrhoea - Oral thrush - Active pulmonary tuberculosis Or one or more of the following: - Kaposi Sarcoma under age 60 - Pneumocystic Carinii pneumonia - Progressive multifocal leukoencephalopathy - Extra pulmonary tuberculosis - Cryptococcal meningitis Proof of the above to the satisfaction of Liberty Life s Chief Medical Officer 100% 100% 100% 100%

10 27. LIVING LIFESTYLE CATCH-ALL The life assured is assessed as suffering from a serious physical condition that is considered to be of equivalent severity to a condition that would qualify for a 100% payout under another benefit category. The degree of impairment must result in a whole person impairment of at least 50% in order to qualify for a payment under this benefit category. However, the level of whole person impairment at which the life assured will qualify for a payment under this benefit category, will depend on the system or systems affected. Proof of the above to the satisfaction of Liberty Life s Chief Medical Officer 100% 100% 100% 100% Whole Person Impairment In order to assess the amount payable in respect of the above benefit category, Liberty Life will refer to the Whole Person Impairment (WPI) concept as published from time to time in the American Medical Association s (AMA) Guidelines to the evaluation of Permanent Impairment. The benefit will only be payable where the impairment is permanent. A permanent impairment is one that has stabilised over a period of time sufficient to allow optimal tissue repair and is unlikely to change in spite of further medical or surgical treatment. ACTIVITIES OF DAILY LIVING TABLE (ADL) FOR BRAIN AND CEREBROVASCULAR SYSTEM CATEGORY ADL MAJOR MODERATE MILD 1. Communication Communication Severe communication Moderate communication Mild communication deficit impairment impairment 2. Posture and motion - Walking Unable to perform all Requires mechanical aid Mild residual impairment - Standing of these functions (walking frame. crutches) - Stooping to perform all of these - Squatting functions - Kneeling - Climbing stairs 3. Movement and - Grasping Unable to perform all Moderately impaired ability Mildly impaired ability to perform all self care - Pincer Grip of these actions to perform all of these of these functions - Fine motor bilaterally functions unilaterally - Gross motor - Holding strength - Grip strength 4. Cognition - Memory All severely impaired All moderately impaired All mildly impaired - Judgement - Insight - Orientation - Personal care 5. Visual Hemianopia Quandrentopia THE RHEUMATOID ARTHRITIS ACTIVITIES OF DAILY LIVING (ADLS) CATEGORY ADL MAJOR MODERATE 1. Posture and motion - Walking Unable to perform all of these functions Requires mechanical aid - Standing Walking frame, crutches to perform all - Stooping of these functions - Squatting - Kneeling - Climbing stairs 2. Movement and self care - Grasping Unable to perform all of these actions Moderately impaired ability to perform - Pincer grip bilaterally all of these functions bilaterally - Fine motor - Gross motor - Holding strength - Grip Strength

11 Disclaimer: Any legal, technical or product information contained in this document is subject to change from time to time and is not to be construed as advice by Liberty Life. Any recommendation made must take into consideration you specific needs and personal circumstances. This document is a summary of the product features. If there are any discrepancies between this document and the contractual terms, or where applicable fund rules, the latter will prevail. Liberty Life an Authorised Financial Services Provider in terms of the FAIS Act (Licence No. 2409) 10803/07