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80% vision loss is considered complete loss to an insurance company,however a eye specialist has to determine that that and submit it to the insurace company 80% vision loss is considered complete loss to an insurance company,however a eye specialist has to determine that that and submit it to the insurace company

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Q: How does an insurance company determine loss of eye use for an eye loss benefit does the eye need to just see black or would they accept if an eye sees a dark cloud with only a perception if light?
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