Glossary
For further information regarding Qualifying Life Events, please refer to your Employer's Human Resource policy and plan documents. Frequent or routinely scheduled care or treatment by a Physician whose specialty or experience is appropriate to effectively treat and manage the Insured's disability. Physical examinations and Telemedicine are acceptable forms of care or treatment if consistent with standard medical practice for the disabling condition. We will not require the Insured to have frequent or routinely scheduled care or treatment by a Physician for their disability if such Regular and Appropriate Care is not required by standard medical practice. The occupation you are routinely performing when your Injury or Sickness begins. We will look at your occupation as it is normally performed in the national economy, instead of how the work tasks are performed for a specific employer or at a specific location. Limitations on your functioning and restrictions in performing the activities of your Regular Occupation or a Gainful Occupation as supported by the medical information provided to us by a Physician. An interest-bearing account established through an intermediary bank in the name of you or your beneficiary, as owner. An illness or disease. Disability must begin while you are covered under the policy. The sole person who is your partner through lawful marriage, civil union, or your legally separated Spouse. Your Spouse may not be insured as both a Spouse and an Employee. A medical inquiry with a Physician via the use of telecommunication and information technologies (including, but not limited to, audio or video communications) for the Insured's evaluation, diagnosis, or treatment as would be practiced in person. This does not include requests for prescription refills or medical records.
Regular and Appropriate Care
Regular Occupation
Restrictions and Limitations
Retained Asset Account
Sickness
Spouse
Telemedicine
Unum Life Insurance Company of America
Referred to as "Unum" and "we," "us," and "our."
Writing or Written
A record on or transmitted by paper, electronic, or telephonic means consistent with applicable law.
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 40
Unum Life Insurance Company of America
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