Which four conditions are conclusively presumed totally disabled?

• A. Loss of both eyes or sight; Loss of both hands or use thereof; Total paralysis; Permanent mental incapacity
• B. Loss of one eye; Loss of one hand; Partial paralysis; Temporary mental incapacity
• C. Loss of hearing; Blindness in one eye; Amputation of a toe; Epilepsy
• D. Loss of taste; Loss of smell; Mild back strain; Temporary fatigue

Answer: (A)

The main idea is that some injuries are treated as automatically totally disabling under SIP rules, meaning there’s no need to prove disability with medical evidence—the condition itself conclusively shows total disability.

The four conditions that fit this are loss of both eyes or sight, loss of both hands or use thereof, total paralysis, and permanent mental incapacity. Each of these leaves a person unable to perform any substantial gainful work because of complete loss of essential functions or permanent cognitive impairment.

Other options include injuries or conditions that may still allow some work or are not permanent. For example, losing one eye or one hand doesn’t automatically mean total disability, partial paralysis may still allow some activity, and temporary mental incapacity isn’t permanent. Epilepsy can be intermittent, and milder or temporary conditions don’t meet the automatic total-disability standard.