Actions you are normally able to accomplish on your own, such as: bathing, dressing, toileting, transferring, continence and eating. Average Monthly Income:  The amount of income you earn monthly, 6 [..]

  A benefit period is the maximum amount of time the insured may receive monthly benefits for a covered disability.  Under the AIChE Disability Income plan, the member may select a benefit period of f [..]

This optional Disability Income benefit is designed to provide an additional layer of protection for severe disabilities. By electing this option, members may be able to replace up to 100% of their pr [..]

See “Successive Periods of Covered Total Disability.”

Disability insurance is a type of health insurance which pays the insured a monthly benefit, replacing a portion of pre-disability (usually 60%) earnings lost from an inability to work due to a covere [..]

Proof that you are insurable. Such evidence is generally obtained through statements on your application regarding your health, avocations and financial condition. In most cases, a medical examination [..]

Specific conditions in which a disability will not be covered as will be described in the group policy or individual certificate issued to each insured person. For example, many plans will not provide [..]

 The active performance for pay or profit of the regular duties of your normal occupation for pay or profit on the basis of at least 30 hours per week at the place such duties are normally performed o [..]

Pre-Existing Condition:  An injury or sickness for which you consulted a doctor, received any medical services or supplies, or took any medication during the three months immediately before becoming i [..]

Benefits are not payable for an injury or sickness or any condition related to an injury or sickness for which a person consults a doctor, receives medical services or supplies or takes medication dur [..]