When are premiums waived?

If you become Totally Disabled before age 60 while insured under the Policy, your Employee insurance will be continued without further payment of premium.  You must pay the premiums until your Totally Disability is approved.  To be considered Totally Disabled, you must:

  • Be unable to perform the material duties of your own occupation on a full-time or part-time basis because of an injury or sickness;
  • Not work at all in any occupation; and
  • Be under a physician’s care.