an insured person who suffered the complete and irreparable severance of an arm or leg at or above the wrist or ankle joint, but who was not totally disabled, the date immediately following a period of twenty-four (24) consecutive months during which the insured person received no medically necessary treatment or service as a result of the covered accident for which benefits had been received under this policy; b. for an insured person not totally disabled and who has not suffered the complete and irreparable severance of an
