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If You Become Disabled

If you become totally disabled while covered under the Life Insurance Plan and under age 60, your coverage will remain in effect and you will not have to pay additional premiums. Your beneficiary will receive the full amount of your insurance if your total disability "Total disability," as used in this section (Protection Benefits) means the inability to engage in any occupation for wage or profit for which you are reasonably qualified by reason of education, training or experience. The inability must be as a result of injury or sickness and must be verified by an attending physician's statement. continues until the date of your death.

Within one year of the end of coverage, you must submit proof that the total disability began while you were covered. You will also have to submit proof of continued disability on a yearly basis.