Daily Disability Benefit:

One-thirtieth of the applicable monthly disability benefit shown in the Policy Schedule.

Effective Date:

The date(s) coverage begins as shown in the Policy Schedule. The effective date of the policy is not the date you signed the application for coverage.

Full-time Job:

One job at which you work 19 or more hours per week for one employer for pay or benefits.

Injury:

A bodily injury caused directly by accidental means, independent of sickness, disease, bodily infirmity, or any other cause, occurring on or after the effective date of coverage and while coverage is in force.

Partial Disability:

Your continuing inability to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual or customary way, while still able to work at any job and earning less than 80 percent of your base pay earnings at the time you became partially disabled or totally disabled. If you return to work at any job and are earning 80 percent or more of your predisability base pay earnings, you will no longer be considered partially disabled.

Sickness:

An illness, disease, infection, or any other abnormal physical condition, independent of injury, that is first manifested and first treated after the effective date of coverage and while coverage is in force.

Total Disability:

Your continuing inability to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual and customary way or to engage with reasonable continuity in another occupation in which you could reasonably be expected to perform satisfactorily considering education, training, experience, station in life, physical and mental capacity.

Complications of pregnancy do not include premature delivery without incidence, multiple gestation pregnancy, false labor, occasional spotting, prescribed rest during pregnancy, morning sickness, and similar conditions associated with the management of a difficult pregnancy not constituting a classifiably distinct pregnancy complication. Cesarean deliveries are not considered complications of pregnancy.

A physician does not include you or a member of your extended family, or anyone who normally resides in your home or residence.

Aflac shall not be liable for any loss to which a contributing cause was the insured’s commission of or attempt to commit a felony or to which a contributing cause was the insured’s being engaged in an illegal occupation.

Aflac shall not be liable for any loss sustained or contracted in consequence of the covered person’s being intoxicated or under the influence of any narcotic, unless administered on the advice of a physician.