Job profile defines disability

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

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