- Alzheimer’s Disease – resulting in permanent symptoms
- Aorta Graft Surgery – requiring surgical replacement
- Aplastic Anaemia – with permanent bone marrow failure
- Bacterial Meningitis – resulting in permanent symptoms
- Benign Brain Tumour – resulting in either surgical removal or permanent symptoms
- Blindness – permanent and irreversible
- Cancer – excluding less advanced cases
- Cardiac arrest - with insertion of a defibrillator
- Cardiomyopathy – of specified severity
- Coma – resulting in permanent symptoms
- Coronary Artery Bypass Grafts – with surgery to divide the breastbone or anterolateral thoracotomy
- Creutzfeldt–Jakob Disease (CJD) – resulting in permanent symptoms
- Deafness – permanent and irreversible
- Dementia – resulting in permanent symptoms
- Encephalitis – resulting in permanent symptoms
- Heart Attack – of specified severity
- Heart Valve Replacement or Repair – with surgery
- HIV infection – caught from a blood transfusion, physical assault or accident at work
- Kidney failure – requiring dialysis
- Liver failure – of advanced stage
- Loss of a hand or foot – permanent physical severance
- Loss of Speech – permanent and irreversible
- Major Organ Transplant
- Motor Neurone Disease – resulting in permanent symptoms
- Multiple Sclerosis – with current symptoms
- Multiple System Atrophy – resulting in permanent symptoms
- Open Heart Surgery – with median sternotomy
- Paralysis of a limb – total and irreversible
- Parkinson’s Disease – resulting in permanent symptoms
- Primary Pulmonary Hypertension – of specified severity
- Progressive Supranuclear Palsy – resulting in permanent symptoms
- Removal of an eyeball – due to injury or disease
- Respiratory failure – of advanced stage
- Stroke – resulting in permanent symptoms
- Systemic Lupus Erythematosus – with severe complications
- Third Degree Burns – covering 20% of surface area of the body or 20% of the face or head
- Total and Permanent Disability - of specified severity (see definition below)
- Traumatic head injury – resulting in permanent symptoms
Terminal illness cover pays out the cash sum if you become terminally ill before the last 12 months of the plan and you meet the definition.
Legal & General also pay out an additional lower amount separate to your main plan for the following conditions:
- Ductal carcinoma in situ of the breast - treated by surgery
- Low grade prostrate cancer - requiring treatment
For further details please see our Terms and conditions section.
Total and Permanent Disability
There are two definitions of total and permanent disability - Own Occupation and Specified Work Tasks, as shown below.
If your total and permanent disability definition is own occupation, but you're not in paid employment at the time of a claim, your claim will be assessed under the Specified Work Tasks definition below.
Loss of the physical or mental ability through an illness or injury to the extent that you are unable to do the material and substantial duties of your own occupation ever again. The material and substantial duties are those that are normally required for, and/or form a significant and integral part of the performance of your own occupation that cannot reasonably be omitted or modified.
Own occupation means your trade, profession or type of work you do for profit or pay. It is not a specific job with any particular employer and is irrespective of location and availability.
The relevant specialist must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or you expect to retire.
For the above definition, disabilities for which relevant specialists cannot give a clear prognosis are not covered.
Specified Work Tasks
Loss of the physical ability through an illness or injury to do at least three of the six work tasks listed below, ever again.
The relevant specialists must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or you expect to retire.
You must need the help or supervision of another person and be unable to perform the task on your own, even with the use of special equipment routinely available to help and having taken any appropriate prescribed medication.
The specified work tasks are:
• Walking - The ability to walk more than 200 metres on a level surface
• Climbing - the ability to climb up a flight of 12 stairs and down again, using the handrail if needed.
• Lifting - the ability to pick up an object weighing 2kg at table height and hold for 60 seconds before replacing the object on the table.
• Bending - the ability to bend or kneel to touch the floor and straighten up again
• Getting in and out of a car - the ability to get into a standard saloon car, and get out again.
• Writing - the manual dexterity to write legibly using a pen or pencil, or type using a desktop computer keyboard.
For the above definition, disabilities for which the relevant specialists cannot give a clear prognosis are not covered.