You are eligible to receive benefits offered by the policy when either of the two following events has happened and you have satisfied your elimination period.

1. When a licensed health care practitioner (physician, licensed social worker, or registered professional nurse) certifies that you need substantial assistance with 2 or more of the 6 activities of daily living.

A. Bathing
B. Dressing
C. Eating
D. Toileting
E. Transferring
F. Continence

2. When a licensed health care professional certifies that you require substantial supervision as a result of a severe cognitive impairment.

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