Job profile defines disability

Commission observed permanent total disability would've to be determined by loss of earning capacity

Jehangir B Gai
Last Updated at January 12, 2017 02:16 IST

Suresh Chand Yadav was a bus driver employed with the Rajasthan State Road Transport Corporation (RSRTC). He was covered under a Group Personal Accident Insurance Policy taken by his employer from Cholamandalam General Insurance. According to the scheme of the policy, in the event of permanent total disablement, the insured would get a total compensation of Rs 2 lakh divided into instalments payable over a period of 12 consecutive months. The policy defined total and permanent disablement to mean a disability in which the insured would be unable to engage in each and every occupation or employment for compensation or profit, for which he was reasonably qualified by education, training or experience. Besides this, the policy also provided for payment of compensation in case of permanent partial disablement where the benefit would be restricted to 50 per cent of the coverage limit.

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