Common use of BENEFIT FOR PRESUMPTIVE DISABILITY Clause in Contracts

BENEFIT FOR PRESUMPTIVE DISABILITY. You will be considered Totally Disabled if, after the Policy Effective Date, you become Presumptively Disabled. Presumptive Disability/Presumptively Disabled means that you have an Injury or Sickness that first occurs while this policy is in force and results in your total and permanent loss of any of the following: • speech; • hearing in both ears, not restorable by hearing aids; • Sight in both eyes which measures at or below 20/200, after reasonable efforts are made to correct your vision using the most advanced, medically acceptable procedures and devices available; • use of both hands; • use of both feet; or • use of one hand and one foot. For Total Disability resulting from Presumptive Disability, we will pay a Disability Benefit equal to the Basic Monthly Benefit regardless of your Monthly Earnings. We will waive the Benefit Waiting Period, and the Disability Benefit for Presumptive Disability will begin on the Commencement Date and will be payable until the end of the Maximum Benefit Period. REHABILITATION PROGRAM While you are Disabled you may participate in a Rehabilitation Program to help you prepare for your return to full-time work.

BENEFIT FOR PRESUMPTIVE DISABILITY. You will be considered Totally Disabled if, after the Policy Effective Date, you become Presumptively Disabled. Presumptive Disability/Presumptively Disabled means that you have an Injury or Sickness that first occurs while this policy is in force and results in your total and permanent loss of any of the following: • speech; • hearing in both ears, not restorable by hearing aids; • Sight sight in both eyes which measures at or below 20/200, after reasonable efforts are made to correct your vision using the most advanced, medically acceptable procedures and devices available; • use of both hands; • use of both feet; or • use of one hand and one foot. For Total Disability resulting from Presumptive Disability, we will pay a Disability Benefit equal to the Basic Monthly Benefit regardless of your Monthly Earnings. We will waive the Benefit Waiting Period, and the Disability Benefit for Presumptive Disability will begin on the Commencement Date and will be payable until the end of the Maximum Benefit Period. REHABILITATION PROGRAM While you are Disabled you may participate in a Rehabilitation Program to help you prepare for your return to full-time work.

BENEFIT FOR PRESUMPTIVE DISABILITY. You will be considered Totally Disabled if, after the Policy Effective Date, you become Presumptively Disabled. Presumptive Disability/Presumptively Disabled means that you have an Injury or Sickness that first occurs while this policy is in force and results in your total and permanent loss of any of the following: •  speech; •  hearing in both ears, not restorable by hearing aids; • Sight  sight in both eyes which measures at or below 20/200, after reasonable efforts are made to correct your vision using the most advanced, medically acceptable procedures and devices available; •  use of both hands; •  use of both feet; or •  use of one hand and one foot. For Total Disability resulting from Presumptive Disability, we will pay a Disability Benefit equal to the Basic Monthly Benefit regardless of your Monthly Earnings. We will waive the Benefit Waiting Period, and the Disability Benefit for Presumptive Disability will begin on the Commencement Date and will be payable until the end of the Maximum Benefit Period. REHABILITATION PROGRAM While you are Disabled you may participate in a Rehabilitation Program to help you prepare for your return to full-time work.