If due to a sickness or injury, the insured has totally lost: the use of both hands, or both feet, or one hand and one foot, or the sight of both eyes, or the hearing of both ears, or the ability to speak, the elimination period will be waived and the monthly beneﬁt will be paid for the entire beneﬁt period or as long as the loss exists.
Underwriters may oﬀer ﬁnancial assistance for a rehabilitation program if they are paying benefits under this policy and if they approve the program in advance. The terms of a rehabilitation program, related expenses and total disability beneﬁts during this program, will be subject to mutual agreement.
If at the time of death the insured was receiving monthly beneﬁts, underwriters can pay a survivorship beneﬁt equal to three times the monthly beneﬁt.
If the insured donates an organ after the policy has been in force for at least six months, any total disability resulting from the surgery will be considered an illness.
If after a period a total disability, the insured returns fulltime to work, and within six months the insured is once again totally disabled, he/she can elect to continue the previous claim without the need for a new elimination period or choose to have a new elimination/beneﬁt period. Once a period of six months has elapsed from returning to work, any new claim will have a new elimination and beneﬁt period.