Long Term Disability

UnitedHealthcare:

1-888-299-2070

Policy #303972

The Covered Person is Disabled or has a Disability when UnitedHealthcare determines that:

1. You are not Actively at Work and are unable to perform some or all of the Material and Substantial Duties of your Regular Occupation due to your Sickness or Injury; and
2. You have a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the same Sickness or Injury; and
3. You are under the Regular Care of a Physician.

You must be disabled for at least 90 days and have exhausted your sick leave before you can receive a Long Term Disability Insurance benefit payment.

Total disability is not required during the waiting period. You can continue to work periodically for up to 45 days without beginning the waiting period again.

For as long as you remain disabled, or until you reach your Social Security Normal Retirement Age (as stated in the 1983 revision of the United States Social Security Act), whichever is sooner. If your disability occurs at age 60 or above, your payments may be reduced. Disability must begin while the Covered Person is insured under the Policy. After 24 months of payments, the Covered Person is Disabled when We determine that due to the same Sickness or Injury, you are unable to perform some or all of the material and substantial duties of any Gainful Occupation for which you are reasonably fitted by education, training or experience and you continue to suffer a 20% or more loss in Indexed Pre-Disability Monthly Earnings due solely to the Sickness or Injury.