Loss of independent existence

Definition

Loss of independent existence means a definite diagnosis of the total inability to perform, by oneself, at least 2 of the following 6 activities of daily living for a continuous period of at least 90 days with no reasonable chance of recovery.

The diagnosis of loss of independent existence must be made by a specialist.

Activities of daily living are:

• Bathing:  the ability to wash oneself in a bathtub, shower or by sponge bath, with or without the aid of assistive devices

• Dressing:  the ability to put on and remove necessary clothing, braces, artificial limbs or other surgical appliances with or without the aid of assistive devices

• Toileting:  the ability to get on and off the toilet and maintain personal hygiene with or without the aid of assistive devices

• Bladder and bowel continence:  the ability to manage bowel and bladder function with or without protective undergarments or surgical appliances so that a reasonable level of hygiene is maintained

• Transferring:  the ability to move in and out of a bed, chair or wheelchair, with or without the aid of assistive devices, and

• Feeding:  the ability to consume food or drink that already has been prepared and made available, with or without the use of assistive devices.