Washing: The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.

Dressing: The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.

Feeding: The ability to feed oneself food after it has been prepared and made available.

Toileting: The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

Mobility: The ability to move indoors from room to room on level surfaces.

Transferring: The ability to move from a bed to an upright chair or wheelchair, and vice versa.

Definition of Pre-existing Disability
Pre-existing Disability means suffering from the Disability as defined above before your ElderShield Policy's commencement date. For persons who are auto-covered, disability caused solely by accidents that occur during the 90-day opt-out period shall not be regarded as Pre-existing Disability.