• Actively at work, at least 20 hours per week;

• Under age 70 on the effective date of coverage; and

• Satisfy the waiting period set by the employer group, of not less than 30 days.

Weekly benefits may be elected in $10 increments, not to exceed the percentage of the eligible employee's weekly earnings, as selected by the employer. The plan pays the weekly benefit, up to $750, directly to the employee in the event they are totally disabled from a sickness or accidental injury.

Total Disability or Totally Disabled

• Completely unable to perform all of the material duties of the eligible employee's regular occupation at their customary place of work; and

• Not actively working in any occupation for pay or profit; and

• Under the regular care of a physician.

Partial Disability

As a result of the sickness or injury which caused total disability:

• Ability to perform one or more, but not all, of the material and substantial duties of the eligible employee's own or any other occupation on a full-time basis; or

• Ability to perform all of the material and substantial duties of the eligible employee's own or any other occupation on a part-time basis.

The eligible employee may receive up to 100% of pre-disability income if the following.

• Partial disability begins within 31 days of the date total disability ceases.

• Earning less than 80% of pre-disability weekly earnings at the time the partial disability employment begins.

The partial disability benefit is the lesser of:
• The weekly benefit selected; or
• 100% of pre-disability earnings, less partial disability earnings.

Pre-existing Condition
A diagnosed sickness or injury for which the eligible employee received treatment within twelve (12) months prior to the effective date or the effective date of an increase in coverage. Treatment means consultation, care, or services provided by a physician, including diagnostic measures and taking prescribed drugs and medicine.

The plan does not pay for disabilities caused by or related to a pre--existing condition during the first year of coverage, or an increase in coverage.

If the eligible employee is still actively at work on a full-time basis, VSTD benefits reduce 33 1/3% when reaching age 65 and will terminate at age 70 or retirement, whichever occurs first.

If the eligible employee is totally disabled for 90 consecutive days, future premium payments that fall due will be waived as long as they are receiving benefits.