Presumptive Disability: The presumption that the insured is totally disabled, even if still at work, if sickness or injury results in the total and complete loss ( some companies define it as the total and irrecoverable loss) of sight in both eyes, hearing in both ears, power of speech, or use of any two limbs, in their entirety. The elimination period is waived from the date of such loss and total disability benefits are payable while the loss continues until the end of the benefit period. Ongoing care of a physician may not be required.