Having a chronic illness means you’re unable to perform two of six Activities of Daily Living (bathing, continence, dressing, eating, toileting, and transferring) without assistance or you’re severely cognitively impaired for a period of at least 90 days.
Being critically ill means you’ve been diagnosed with a health condition such as a heart attack, stroke, cancer, end-stage renal failure, ALS, a major organ transplant, blindness or paralysis resulting from specific underlying conditions. If you live in California, critically ill means you’ve been diagnosed after the Rider Date with a medical condition that would, in the absence of treatment, result in your death within 12 months.
Diagnosed as having to Major Organ Transplant
Having a terminal illness means you have a life expectancy of 12 months or less