Opinion ID: 151538
Heading Depth: 4
Heading Rank: 1

Heading: UNUM's Policy

Text: The UNUM long term disability policy provided coverage for disability when, in UNUM's determination: you are limited from performing the material and substantial duties of your regular occupation due to your sickness or injury; and you have a 20% or more loss in your indexed monthly earnings due to the same sickness or injury; and during the elimination period, you are unable to perform any of the material and substantial duties of your regular occupation. A beneficiary must be continuously disabled for an elimination period of 90 days before he becomes eligible for benefits from UNUM. Coverage extends to the date that the policy or plan is cancelled, but may end earlier if other eligibility criteria are not met. UNUM's insuring agreement includes payable claims that occur while the employee is covered under the policy or plan. UNUM acts as the claims administrator, and has discretionary authority to determine eligibility for benefits and to interpret the terms and provisions of the policy.