BENEFIT FOR TOTAL DISABILITY. You will be eligible for a Disability Benefit during your Total Disability if you meet the requirements below. The Disability Benefit we will pay each month will equal the Basic Monthly Benefit. This refers to your occupation at the time you become disabled. This section also defines regular occupation for specialized physicians and dentists.
BENEFIT FOR TOTAL DISABILITY. You will be eligible for a Disability Benefit during your Total Disability if you meet the requirements below. The Disability Benefit we will pay each month will equal the Basic Monthly Benefit.
BENEFIT FOR TOTAL DISABILITY. You will be eligible for a Disability Benefit during your Total Disability if you meet the requirements below. The Disability Benefit we will pay each month will equal the Basic Monthly Benefit. This refers to your occupation at the time you become disabled as stated in the policy. This section also defines regular occupation for specialized physicians and dentists. Total Disability/Totally Disabled means that due to your Injury or Sickness: For the first 24 months of Disability: • you are unable to perform with reasonable continuity the Substantial And Material Acts necessary to perform your Regular Occupation in the usual and customary way; • you choose not to work in any occupation for wage or profit; and • you are receiving Regular Medical Care from one or more Physicians(s) for your Injury or Sickness. This Regular Medical Care requirement will be waived when we receive written proof, establishing that further care would be of no benefit to you. If you choose to work at any job, you will not be considered Totally Disabled under this policy, but you may qualify for Residual Disability, as found in the residual disability rider. After 24 months of Disability: • you are not able to engage with reasonable continuity in Any Occupation in which you could reasonably be expected to perform satisfactorily in light of your age, education, training, experience, station in life, and physical and mental capacity; • you choose not to work at any other job or occupation for wage or profit; and • you are receiving Regular Medical Care from one or more Physicians(s) for your Injury or Sickness. This Regular Medical Care requirement will be waived when we receive written proof establishing that further care would be of no benefit to you. Any Occupation means any occupation or employment that you are reasonably suited for based on your education, training or experience. Regular Occupation means any employment, business, trade or profession and the Substantial and Material Acts of the occupation you are regularly performing when the Disability begins. Regular Occupation is not necessarily limited to the specific job you are performing when the Disability begins. If you are a physician or dentist and have limited your Regular Occupation to the performance of the Substantial And Material Acts of a single specialty recognized by the American Board of B180GSI(8/18)CA Page 4 Medical Specialties (ABMS) or American Osteopathic Association Bureau of Osteopathic Specialists (AOAB...
