Mortgage Protection booklet - Irish Life

In simpler terms:
CJD is a degenerative condition of the brain. As the disease progresses
muscular co-ordination diminishes, the intellect and personality
deteriorate and blindness may develop.
You can claim if your Consultant Neurologist confirms the diagnosis of
CJD which has resulted in permanent neurological deficit.
14. Deafness – total, permanent and
irreversible
Plan definition:
Permanent and irreversible loss of hearing to the extent that the loss is
greater than 95 decibels across all frequencies in the better ear using a
pure tone audiogram.
In simpler terms:
You can claim if you have a severe form of deafness (to the degree
described in our definition) as measured by a pure tone audiogram.
A pure tone audiogram is a key hearing test used to identify hearing
threshold levels in an individual. The test establishes the quietest sounds
you are able to hear at different frequencies or pitches. A decibel is a
measure of the volume of a sound.
You cannot claim if you have reduced hearing in one or both ears which
does not meet this definition. You cannot claim if the deafness can be
improved by the use of medical aids.
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15. Dementia – resulting in permanent
symptoms
Plan definition:
A definite diagnosis of dementia by a Consultant Neurologist, Psychiatrist
or Geriatrician. There must be permanent clinical loss of ability to do all
of the following:
• Remember;
• Reason; and
• Perceive, understand, express and give effect to ideas.
For the above definition, the following is not covered
• Dementia secondary to alcohol or illegal drug abuse.
In simpler terms:
Dementia is a term used to describe a number of signs and symptoms
characterised by the loss of cognitive functioning and intellect, and
behavioural changes. Areas of cognition affected may be memory,
concentration, language and problem solving.
A claim can be made if the life covered has been diagnosed by a
consultant neurologist or consultant geriatrician or psychiatrist, as
having Dementia and his/her judgement, understanding and rational
thought process have been seriously affected. These symptoms must be
permanent.