Medical Assurance Society (MAS)
Sentence from Your Professional Life Plan policy document
However, if the insured person has not been in paid employment at any time during the six months immediately prior to the commencement of the period of 90-days absence or the insured person has permanently retired from the workforce, the non-occupational criteria will apply.
If the insured person has permanently retired or has not been in any gainful employment during the six months immediately before the start of their 90 days of absence, then the non-occupational criteria will apply.