A definite diagnosis of the total and irreversible loss of vision in both eyes, evidenced by:

• The corrected visual acuity being 20/200 or less in both eyes; or
• The field of vision being less than 20 degrees in both eyes.
  ‍

The diagnosis of Blindness must be made by a Specialist.

A definite diagnosis of the total and irreversible loss of hearing in both ears, with an auditory threshold of 90 decibels or greater within the speech threshold of 500 to 3,000 hertz.


The diagnosis of Deafness must be made by a Specialist.

A definite diagnosis of the complete severance of two or more limbs at or above the wrist or ankle joint as the result of an accident or medically required amputation.

The diagnosis of Loss of Limbs must be made by a Specialist.

A definite diagnosis of the total and irreversible loss of the ability to speak as the result of physical injury or disease, for a period of at least 180 days.

The diagnosis of Loss of Speech must be made by a Specialist.

A definite diagnosis of the total inability, due to disease or injury, to perform independently:

• With or without the aid of assistive devices;
• At least 3 of 6 Activities of Daily Living (ADL) listed below;
• For a continuous period of at least 90 days;
• With no reasonable chance of recovery; and
• The diagnosis must be made by a physician and supported by an independent home care assessment made by an occupational therapist or equivalent.

Activities of Daily Living are:

• Bathing – the ability to wash oneself in a bathtub, shower or by sponge bath;
• Dressing – the ability to put on and remove necessary clothing, braces, artificial limbs or other surgical appliances;
• Toileting – the ability to get on and off the toilet and maintain personal hygiene;
• Bladder and Bowel Continence – the ability to manage bowel and bladder function with or without protective undergarments or surgical appliances so that hygiene is maintained;
• Transferring – the ability to move in and out of a bed, chair or wheelchair; and
• Feeding – the ability to consume food or drink that already has been prepared and made available.


A definite diagnosis of third-degree burns over at least 20 percent of the body surface.

The diagnosis of Severe Burns must be made by a Specialist.