The complete, irreversible and permanent loss of the use of two or more non-severed limbs, as a result of an accident, disease or Sickness. The Date of Diagnosis is the date a Physician makes a diagnosis based on clinical and/or laboratory findings as supported by the Covered Person’s medical records. 3) Under the Claim Provisions section, the Claim Forms provision is replaced with the following: Claim Forms We will send claim forms with written instructions for filing proof of loss when We receive notice of a claim. If such forms are not sent within 10 working days after We receive notice, the claimant shall be deemed to have complied with the requirements of the Policy as to proof of loss upon submitting, within the time fixed in this Policy for filing proof of loss, written or authorized electronic proof covering the occurrence, character and extent of the loss for which the claim is made. 4) Under the Administrative Provision , the Change in Premium Rates section has been revised to reflect that 60 days advance written notice is required. 5) Under the Accidental Death and Dismemberment Rider , no benefits are payable for Paralysis. 6) Under the Accidental Rider , no benefits are payable for Paralysis. Idaho residents: 1) Benefits for the following covered conditions are no longer available: Blindness, Coma, Loss of Speech, Loss of Hearing and Paralysis 2) Under the General Definitions section, the following changes apply: a) The definition of Active Service is replaced with the following: An Employee will be considered in Active Service with His Employer on any day that is either: 1. one of the Employer’s scheduled work days on which the Employee is performing His regular duties on a Full Time basis, either at one of the Employer’s usual places of business or at some other location to which the Employer’s business requires the Employee to travel; or 2. a scheduled holiday or holiday period, vacation day or period of Employer-approved paid leave of absence, other than disability or sick leave after 7 days, only if the Employee was in Active Service on the preceding scheduled workday. A Covered Person is not considered in Active Service if He is: 1. Inpatient in a Hospital, hospice; 2. confined at home under the care of Physician for Sickness or Injury. b) The definition of Activities of Daily Living has been removed. c) The definition for Congenital Anomaly is added: Congenital Anomaly A condition existing at or from birth that is a significant deviation from the common form or function of the body, whether caused by a hereditary or developmental defect or disease. The term “significant deviation” is defined to be a deviation which impairs the function of the body and includes but is not limited to the conditions of cleft lip, cleft palate, webbed fingers or toes, sixth toes or fingers, or defects of metabolism and other conditions that are medically diagnosed to be congenital anomalies. The Date of Diagnosis is the date a Physician makes a diagnosis of Congenital Anomaly that is based on generally accepted principles of medicine at the time the diagnosis is made.
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