Accident & Sickness Benefits
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.
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.
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.