Georgia Life, Accident and Sickness Exam 2025 – 400 Free Practice Questions to Pass the Exam

The condition defined as the loss of both limbs and/or total blindness falls under the category of total disability. Total disability signifies a significant level of impairment where an individual cannot perform any of their regular duties or activities. In the context of insurance and benefits, this classification usually means that the person is entirely unable to engage in work or daily functions typically expected of them due to their condition.

Permanent disability, on the other hand, refers to a long-lasting impairment that may not necessarily satisfy the criteria for total disability, particularly if the individual retains some capacity to perform tasks, albeit at a reduced capability. Partial disability would indicate that the individual can still perform some work or activities, but with limitations, which does not apply to the complete loss of function described in the question.

Temporary disability signifies a situation where the person may recover and return to their previous level of functioning, which again does not align with the permanent loss of both limbs and/or total blindness. Thus, the classification of total disability accurately reflects the severe and comprehensive impact of the conditions described.