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JAN -14 -98 WED 12:21 PM CFG INSURANCE SERVICES FAX N0. 612 945 9477 <br />LONG TERM DISABILITY <br />IT INF • ' ATION <br />en UblUtots1 • amines , at \ <br />- you am -thrt it 'from performing the matetlnflndsubatenttsl duties of y ur <br />regular ation.due to your.bielmOss or Injury and <br />• you have a 20% or more loss in your indexed monthly earnings due to the same <br />sickness <br />-..›After 36 months of payments, you are disabled when UNUM determines that due to <br />the same sickness or injury, you are unable to perform the duties of any gainful <br />occupation for which you are reasonably fitted by education, training or experience. <br />P, 07/09 <br />UNITED means what you cannot or are unable to do. <br />90d <br />• <br />+, <br />MATERIAL AND SUUST MI!At: WOES msaris dutles Out <br />t <br />1 <br />• ate nom* requited for the perlortnanee efyodr regular occupation; and <br />o n g� xcshuos t Bcewok averae 1 es no per week, U NUM will a sidr you <br />able to perform that requirement if you we working or have the capacity to <br />work 40 hours per weeK, <br />REGULAR OCCUPATION means the occupation you are routinely performing <br />when your disability begins. UNUM will took at your occupation as It Is nor• <br />malty performed in the national economy, instead of how the work tasks are <br />pedo speoikc smpkafl► or at a speolf/0locatinn <br />\ ,' <br />SICKNESS means an illy 'or disease, Disability must begin while yotr are <br />coverott,t(wldr I S pion, <br />/ - <br />LTD- 13EN.1 (1/1/1985) <br />'SHZ str^t warm* YQdvo: Tit? et 'ET *TO <br />Page 64 <br />