In order to qualify for a disability benefit, you must:
Be enrolled in the Program for a minimum of thirty (30) consecutive days before your disability begins
Be unable to perform the material and substantial duties of your occupation, or be unable to perform the normal activities of a person of like age if you are not gainfully employed
Be under the care of a licensed doctor or a licensed health care practitioner who will verify your disability, and who is not a family member
Notify us within three hundred and sixty-five (365) days after the first date of disability
Complete and return any forms required by us as proof of disability
Meet all requirements, as determined by us, applicable to your circumstances as described in the Credit Protection Program Agreement and Disclosure