Glossary
Your Children may not be insured by more than one Employee. Common Carrier Commercial transportation including airplanes, trains, buses, trolleys, subways, ferries and boats that operate on a regularly scheduled basis between predetermined points or cities.
Confined or Confinement Covered Loss
Assignment to a bed as a resident inpatient in a medical or treatment facility on the advice of a Physician. Accidental Deaths, Accidental Dismemberments and Loss of Use, or other Injuries due to Accidents as outlined in the Accidental Death and Dismemberment Schedule of Benefits. The annual income from your Employer in effect just prior to the date of death, Covered Loss, or disability. It does not include income received from: - commissions; - bonuses; - overtime pay; - shift differential; If you are not in Active Employment in accordance with the Continuation of your Coverage During Absences provision and become disabled, we will use the annual Earnings in effect with your Employer prior to the date of your covered absence. For purposes of calculating benefits payable to you, Earnings means your actual earnings as defined above, as of the date your Employer most recently reported your earnings to us as of the date last worked. - any other extra compensation; or - sources other than your Employer.
Earnings
Employee Employer
A person, also referred to as "you" or "your", who is in Active Employment.
The Policyholder, including all covered United States divisions, subsidiaries, affiliated companies, and entities of the named Policyholder for whom premium is being paid. A period of time determined by your Employer and us during which you are eligible to enroll for or change your coverage. This period of time may be limited. A process used by us to determine an Insured's qualification for the coverage requested. It may include a statement of the Insured's medical history, medical provider records, as well as physical examinations and information from consumer reporting agencies. Evidence of Insurability will be at our expense. A Gainful Occupation is an occupation that: - you are reasonably fitted by education, training, or experience; and - is expected to provide an income within 12 months of your return to work equal to or greater than 60% of your annual Earnings.
Enrollment Period Evidence of Insurability
Gainful Occupation
Hospital Hospice
An accredited facility licensed to provide medical care and treatment.
A program designed to provide palliative care and emotional support to the terminally ill in a home or homelike setting, or a facility so that quality of life is maintained. Any damage or harm to the body that is the direct result of an Accident and not related to any other cause. Disability must begin while you are covered under the policy.
Injury or Injuries
Insured
Any person who has coverage under the policy.
Intoxicated
The Insured's blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state where the Accident occurred.
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 38
Unum Life Insurance Company of America
Made with FlippingBook Online newsletter