input: [0] When are benefits paid? [1] When the individual is totally or partially disabled and unable to work as a result of an accident or a sickness. [2] When an individual suffers a specified Critical Conditions (listed in the contract) and survives that condition for a period of generally 30 days. [3] 
output: When an individual is unable to perform two or more activities of daily living and/or requires continual supervision due to a cognitive impairment.