Definition of Disability You are Disabled from your Own Occupation if due to your Sickness or Injury you: 1. are unable to earn at least the Own Occupation Income Level shown in Section II - Schedule of Insurance or 2. are unable to perform each of the material duties of the occupation that you regularly perform for the Employer or, if a physician or an attorney, unable to perform each of the material duties of your specialty in the practice of medicine or law; and 3. meet the requirements of the Own Occupation Period in this section. You will not be considered Disabled if you have Work Earnings in excess of the Own Occupation Income Level shown in Section II - Schedule of Insurance. The Date of Disability is the date on which your Earnings are less than the Own Occupation Income Level. In addition to the requirements of these Definitions of Disability, you must meet the requirements in Section IV - Benefit Provisions prior to being eligible for benefits. Own Occupation Period The Own Occupation Period starts on the date that LTD Benefits become payable and continues until you have been Disabled for the period shown in Section II - Schedule of Insurance. During the Elimination Period or Own Occupation Period you are required to be Disabled from your Own Occupation. Back to Table of Contents