Glossary
Layoff
Temporary absence from Active Employment for a period of time that has been initiated in advance by your Employer. Normal vacation time, holidays, or temporary business closures or any period of disability is not considered a Layoff. Temporary absence from Active Employment for a period of time under a leave granted in Writing by your Employer that is in accordance with your Employer's formal leave policies. Normal vacation time, holidays, or temporary business closures or any period of disability is not considered a Leave of Absence. Duties that: - are routinely required for the performance of your Regular Occupation or any Gainful Occupation; and - cannot be reasonably omitted or modified. A psychiatric or psychological condition classified in the most recent Diagnostic and Statistical Manual of Mental Health Disorders (DSM) published by the American Psychiatric Association (APA), as of the date of Covered Loss. If the DSM is discontinued or replaced, these disorders will be those classified in the diagnostic manual then used by the APA as of the date of the Covered Loss. If the APA no longer publishes a diagnostic manual or the APA ceases to exist, we will use a comparable diagnostic manual.
Leave of Absence
Material and Substantial Duties
Mental or Nervous Disorders
Payable Claim
A claim for which we are liable under the provisions of the policy.
Physician
A person performing tasks that are within the limits of their medical license and is also: - a legally qualified medical practitioner according to the laws and regulations of the governing jurisdiction; - licensed to practice medicine, prescribe and administer drugs, or to perform surgery; or - a person with a doctoral degree in Psychology (Ph.D. or Psy.D.) whose primary practice is treating patients. We will not recognize you, your Spouse, children, parents, siblings, a past or present business or professional partner, or any person who has a financial affiliation or business interest with you, as a Physician for a claim that you send to us. Your Employer's Life and Accidental Death and Dismemberment Welfare Benefit Plan under ERISA which includes this certificate, your Employer's Group Life and Accidental Death and Dismemberment Insurance Policy, and other benefit plan documents consistent with this Plan.
Plan
Policy Year Policyholder Private Passenger Car Qualifying Life Event
January 1, 2025 to January 1, 2026 and each following January 1 to January 1.
The entity to which the policy is issued.
A validly registered four-wheel automobile that is used only as a private passenger vehicle including Employer-owned automobiles used as private passenger vehicles. For coverage eligibility purposes, a Qualifying Life Event may include but is not limited to: - birth, adoption, or addition of a Child; - a change in legal marital status; - a change in employment status; or - death of a Spouse or Child, as permitted under Internal Revenue Code section 125. Changes in coverage made as a result of a Qualifying Life Event must be consistent with the Qualifying Life Event.
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 39
Unum Life Insurance Company of America
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