This is not an aggregate policy! This benefit is payable, in addition to and not reduced by, any other disability benefits provided by this or any other plan
The Principle Sum Benefit will be paid to you or to a designated loss payee, trust or annuity carrier. You may elect to receive the Benefit in any one of the following ways:
1. Single payment.
2. Monthly benefits for a certain period of time or to a prescribed age.
3. Monthly benefits for life.
4. Interest only for life with Principal Sum paid to beneficiaries at the time of your death.
• Simple Arbitration is utilized should your physician and our physician not be able to agree that you are permanently totally disabled. Your physician and our physician shall name a third physician to make a decision on the matter which shall be final and binding.
Disability must result from an injury or sickness which is first diagnosed or incurred and which results in a loss beginning while the certificate is in force.
• You must have been totally disabled for the elimination period and at the end of such period you are determined by competent medical authority to be unable to resume the material duties of your regular occupation and that you have suffered a career-ending disability.
SPECIAL FEATURES
• TOTAL DISABILITY MONTHLY BENEFITS are payable when, due to sickness or injury you cannot perform the substantial and material duties of your regular occupation and you are under the regular care of a legally qualified physician.
• PRESUMPTIVE DISABILITY benefits will be paid for the maximum benefit period even if you are able to return to your own or any other occupation. Benefits will be paid should you lose the use of both hands, both feet, one hand and one foot, the sight in both eyes, hearing in both ears, or the ability to speak. The medical care requirements and the elimination period will be automatically waived.
• RECURRENT DISABILITIES resulting from the same cause or causes are considered a new claim with a new benefit period if you have returned to your regular occupation, full-time, for six months or longer
• TRANSPLANT BENEFIT means that Total Disability benefits will be paid for disability following surgery if you donate an organ from your body to another person. Benefits will be paid as a sickness benefit. This benefit is applicable after the certificate has been in force for six months or longer.
EXCLUSIONS:
This plan does not cover sickness, injury or death caused or contributed to by war, declared or undeclared, suicide, selfinflicted injury or poisoning, the taking of illegal or non-prescribed drugs, drunkenness or alcoholism, mental or nervous disorders. It does not cover subjective pain unless supported by objective medical findings or injuries or sickness sustained while committing or attempting to commit a crime.
