If you are Partially Disabled, your Weekly Benefit will be calculated as described in this section and not as described above. Benefits for a Partial Disability are payable only following a period of a related, total Disability. The Weekly Benefit for a period of Partial Disability is determined as follows:
1. subtract the earnings received while Partially Disabled from your Basic Weekly Earnings (this amount is referred to as your “lost earnings”);
2.
multiply your lost earnings by 75%, and then
3.
deduct Other Income from the amount obtained in Step 2.
However, in no event will the Weekly Benefit be more than the amount that would be payable under this STD Plan if you had remained Disabled and not returned to work.
GENERAL EXCLUSIONS
What disabilities are not covered? Benefits will not be paid for any Disability due to:
1. intentionally self-inflicted injuries or attempted suicide, while sane or insane;
2.
participation in a felony or as a result of such participation;
3. military service of any country which is at war or due to war or act of war, unless you are either a United States expatriate or on temporary assignment in a war area on employer business;
4. a vague or undefinable condition (such as “tiredness” or “pain”), for which your doctor cannot provide a medical diagnosis;
5. cosmetic surgery, except surgery made necessary by accidental injury incurred while eligible for short-term disability benefits;
6.
occupational illness or injury; or
7. for any day in which you are confined in a penal or correctional institution for conviction of a criminal or public offense.
TERMINATION
When does coverage under this STD Plan terminate? You will cease to be covered under this policy on the earliest of the following dates:
1.
your Employer ceases to provide these STD benefits;
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