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Climbing - the ability to walk up and down a flight of 12 stairs without holding on or resting.

The definition that we use when defining Occupational disability: The Life Insured is considered to be permanently and totally disabled if the Life Insured is unable to perform the important duties of any reasonable gainful occupation due directly to injury or sickness.However, in the event of it not being possible for the employer to adapt the workers duties and/or to find alternatives then such employer may terminate the services of the worker.A worker is entitled to a one-hour break for a meal after not more than five hours work.General health - the ability to independently arrange to see a doctor and take routine prescribed medication.Lifting - the ability to lift, carry or otherwise move everyday objects using either hand.