Chronic Illness Rider

A doctor has certified, within the past 12 months, that you are unable to perform two out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are cognitively impaired.

Activities of Daily Living

1. Bathing 2. Continence 3. Dressing 4. Eating 5.Toileting 6.Transferring