2. The cognitive deficits interfere with independence in everyday activities, at a minimum requiring assistance with Instrumental Activities of Daily Living; 3. The cognitive deficits do not occur in the context of, nor do they meet the diagnostic criteria generally- recognized in the medical community for, another mental disorder, including but not limited to delirium, major depressive disorder or schizophrenia; and 4. The physical examination (including neurological examination), laboratory testing, brain CT or MRI results, or the results of any other neurodiagnostic studies, do not point to a different cause of the condition than Alzheimer's Disease. A progressive, degenerative motor neuron disease, marked by muscular weakness and atrophy with spasticity and hyperreflexia due to a loss of motor neurons of the spinal cord, medulla and cortex that results in Impairment. ALS is often referred to as Lou Gehrig’s disease. ''Impairment'' means persistent clinical findings of at least 3 of the following: 1. Trouble swallowing (dysphagia) or choking; 2. Restrictive respiratory distress; 3. Slurring of the speech or dysphonia; 4. Weakness of the extremities; 5. Twitching (fasciculation) of the tongue. The Date of Diagnosis is the date the Covered Person displays Impairment from this disease as confirmed by a neurologist. The period in each calendar year agreed upon by the Employer and Us when an eligible Employee may enroll for or change his or her benefit elections under the Policy as shown in the Schedule of Benefits . The period of time, shown in the Schedule of Benefits , immediately following the effective date of the Covered Person’s coverage, including the effective date of any increase to coverage. No benefits will be paid under the Policy for any Critical Illness Benefits or Optional Benefits for a covered event or a Covered Loss that occurs during the Benefit Waiting Period, as shown in the Schedule of Benefits . A localized mass of abnormal cells in the brain that is non-cancerous, non-inflammatory, and non-infectious. The Date of Diagnosis is the date the tissue specimen is taken on which the diagnosis of Benign Brain Tumor is based. Clinically proven irreversible reduction of sight in both eyes, due to a disease or Sickness resulting in : 1. sight in the better eye reduced to a best corrected visual acuity of less than 6/60 (Metric Acuity) or 20/200 (Snellen or E-Chart Acuity); or 2. visual field restriction to 20 o or less in both eyes. The Date of Diagnosis is the date an ophthalmologist diagnoses an irreversible vision loss. The term includes Invasive Cancer, Carcinoma in Situ and Skin Cancer. The Date of Diagnosis for Cancer is the date the tissue specimen, blood samples, and/or titer(s) are taken on which a new diagnosis of Cancer is based. For purposes of the Initial Critical Illness Benefits, the Date of Diagnosis includes the recurrence or spread (metastasis) of a previously existing diagnosed cancer. A diagnosis that reconfirms a presently existing illness will not be considered a new diagnosis.
Amyotrophic Lateral Sclerosis (ALS )
Annual Group Enrollment Period
Benefit Waiting Period
Benign Brain Tumor
Blindness
Cancer
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