****  Activities of Daily Living (ADL) means the following:

1. Transfer:	The ability to get in and out of a chair, bed or wheelchair; and
2. Mobility:	The ability to move from room to room on level surfaces; and
3. Continence:	The ability to voluntarily control bladder and bowel functions so as to maintain personal hygiene; and
4. Dressing:	The ability to put on and take off all necessary clothing, braces, artificial limbs or other surgical appliances; and
5. Bathing/Washing:	The ability to wash oneself in the bath or shower (including getting in or out of the bath or shower) or wash oneself by any other means; and
6. Eating:	The ability to feed oneself once food has been prepared and made available.

We will assess the claim after the permanent inability to perform ADL has lasted for a continuous period of 3 months.