Which list accurately describes the four conditions 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 hearing; Loss of speech; Total blindness; Amputation of a limb
• C. Loss of one eye; Loss of one hand; Partial paralysis; Chronic dermatitis
• D. Loss of both feet; Brain death; Severe burns; Complete deafness

Answer: (A)

Conclusive presumptions of total disability apply when a condition is so severe that it leaves no realistic ability to perform substantial gainful work, eliminating the need for detailed medical proof about work capacity. The four conditions that carry this conclusive presumption are loss of both eyes or sight; loss of both hands or the use thereof; total paralysis; and permanent mental incapacity. When any of these is present, the person is treated as totally disabled for purposes of the SIP benefits, regardless of other factors or potential jobs one might imagine. The other conditions listed do not automatically qualify as total disability; they may involve significant impairment but typically still leave some capacity for work or require further medical evaluation to determine actual disability level.