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ELIGIBILITY FOR BENEFITS


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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