The Six Work Tasks definition is used to assess whether a person is permanently unable to work due to illness or injury. Instead of focusing on job titles, insurers look at basic functional abilities required for everyday living.
These tasks usually include walking, lifting, using hands and fingers, seeing, hearing, and communicating. If a person is unable to perform a specified number of these tasks, typically two or more, they may qualify for a payout.
This approach ensures fairness across different occupations and avoids debates about alternative employment. However, definitions vary between insurers, and the wording can significantly affect claim outcomes.
At Lyfesure, we carefully explain these differences and help clients choose policies with clear, practical definitions that match their lifestyle.
