PruProtect - It pays to be healthy

Functional activity tests used to assess disability

Where functional activity tests are used to assess disability, the activities of daily living will be used where the claim is for a Client who has reached age 65. If the Client is aged between 16 and 65 we will also consider the activities of their daily work.

Assessment of the claim will only be made on one group of functional activity tests and we will use the most favourable set of functional tests.

Activities of Daily Living

1. Continence

The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained

2. Dressing

The ability to put on, take off, secure and unfasten all garments and, any braces, artificial limbs or other surgical appliances

3. Feeding

The ability to feed oneself once food and drink have been prepared and made available.

4. Mobility

The ability to move from one room to another in the insured's normal place of residence on the same floor, using any walking stick or frame, if required.

5. Transferring

The ability to move from a bed to an upright chair or wheelchair, and vice versa.

6. Washing

The ability to wash in the bath or shower (including getting into and out of the bath or shower) such that an adequate level of personal hygiene can be maintained.
The inability to perform an Activity of Daily Living has to be a new failure brought about by a condition that started after the commencement of the plan.

Activities of Daily Work

1. Walking

The ability to walk 200 metres of a level surface with a stick or other aid without stopping or severe discomfort.

2. Lifting

The ability to pick up a 1kg object from table height with either hand and carry it for 5 metres.

3. Using a pen, pencil or keyboard

The ability to use a pen, pencil or keyboard with either hand using any reasonable aids.

4. Hearing

The ability to hear well enough, with hearing aids, to understand someone speaking in a common language in a normal voice in a quiet room.

5. Speech

The ability to be understood in a common language in a quiet room.

6. Vision

The ability to read well enough to read 16 point print using spectacles or other reasonable aids.

The inability to perform an Activity of Daily Work has to be a new failure brought about by a condition that started after the commencement of the plan.

For use by UK Advisers only. Not suitable for use by consumers.

© 2008 Prudential Health Services Limited is trading as PruProtect. All rights reserved.

Prudential Assurance Company provide and manufacture benefits under the plan. Prudential Health Services Limited distribute and service the product and issue the documentation. PruProtect is a trading name of Prudential Health Services Limited and Prudential is a trading name of Prudential Assurance Company. Both companies are registered in England and Wales and have their registered offices at Laurence Pountney Hill, London EC4R 0HH. Prudential Health Services Limited is registered number 5933141 and Prudential Assurance Company Limited is registered number 15454. Prudential Health Services Limited and Prudential Assurance Company Limited are authorised and regulated by the Financial Services Authority. Neither company is affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America.