A person will be considered disabled if, in a particular month, he or she satisfies either the Occupation Test or the Earnings Test. The insured needs to satisfy only one test to be considered disabled.
The Occupation Test and the Earnings Test use the terms material duties, regular care and attendance, and gainful occupation. These terms carry significant weight in our definition of disability and the way we define these terms distinguishes us from our competitors:
material duties means the set of tasks or skills required generally by employers from those engaged in a particular occupation. For example, one material duty of an employee's regular occupation is the ability to work full-time.
regular care and attendance means care at a frequency medically appropriate for the condition. If the condition doesn't require frequent doctor visits, neither will we.
gainful occupation means, for the purpose of the Occupation Test, an occupation in which the insured could reasonably be expected to earn at least as much as the Schedule Amount.