The Benefit Waiting Period is 180 days. Benefits are paid on a monthly basis. The maximum benefit period is to age 65. From the end of the Own Occupation Period to the end of the maximum Benefit Period. You are disabled from all occupations if, as a result of physical disease, injury, pregnancy or mental disorder, you are unable to perform with reasonable continuity the material duties of any occupation.
Pilots are eligible for the Any Occupation Period definition only.
If on disability, The Standard may provide an appropriate Rehabilitation program to assist you in returning to work. In the event of a Participant's death while on disability, The Standard will pay a lump sum Survivors Benefit equal to 3 months of benefits. The Standard pays employer's portion of a claimant's FICA and Medicare tax and prepares W-2s. 24-month combined limitation for mental disorder, substance abuse and subjective conditions, including muskuloskeletal. Benefits from Worker's Compensation.