Long Term Disability Income
Definition of Total Disability
To be considered totally disabled during the waiting period, you must be disabled by sickness or injury and unable to perform, for wage or profit, all the substantial and material duties of your occupation. You must also be under the regular care of a physician. In addition, as this Plan is designed to protect against loss of earnings, in order to be considered totally disabled, you must not be working at any job for wage or profit.
Once you begin receiving benefits, you must remain unable to perform all the substantial and material duties of your occupation in order to continue receiving benefits. While totally disabled and receiving benefits, you may request to be placed in the Rehabilitation Program, which offers you the opportunity to resume employment while receiving Plan benefits in reduced amounts.