After the waiting period and during your total disability, you will be reimbursed for your covered business expenses up to the policy maximum. If injury or sickness causes total and permanent loss of speech, hearing in both ears, sight in both eyes, or the use of two limbs, you will be considered totally disabled, with benefits beginning the first day of loss. You may carry forward to a future benefit period unused benefits or unreimbursed expenses. The amount of the benefit will be based upon your loss of earnings, and will be paid for 12 months, or to the end of the maximum benefit period, if less. The information provided here is intended only as a summary, and other restrictions may apply.
Any coverage issued is subject to the terms of that policy.