Disability Income Insurance

Total Disability Benefits

If being sick or injured prevents you from performing the material

and substantial duties of your regular occupation, and you are not

gainfully employed in another occupation, we will pay a monthly benefit

once the elimination period has been met.

Survivor Benefit

If you die while disabled, we will pay your beneficiaries a lump sum

amount equal to three times the total monthly benefit defined in the policy

as payable at the time of death.

Recurrent Disability

If the same or a related disability occurs within six months (12 months if

benefit period is more than five years) of a return to full-time employment,

we will consider it a recurrent disability. A new elimination period will not

need to be satisfied and the same benefit period will continue.