ICC19 RL-STD-CERT-19 6 D12972 (11/25) Disability earnings do not include earnings from secondary employment if such employment began prior to your date of Disability; however, it does include any increase in earnings from the secondary employment occurring after your date of Disability. Doctor means a person performing tasks that are within the limits of his or her medical license, and also meets one of the following requirements:  Is licensed to practice medicine and prescribe and administer drugs or to perform surgery.  Has a doctoral degree in Psychology (Ph.D. or Psy.D.) whose primary practice is treating patients.  Is a legally qualified medical practitioner according to the laws and regulations of the jurisdiction where treatment occurred. We will not recognize you or your family members including, but not limited to: Spouse, children, parents, including in- laws, or siblings, including in-laws, or a business or professional partner, or any person who has a financial affiliation or business interest with you as a doctor for a claim that you send to us. Eligible Survivor means your Spouse, if living; otherwise, your child(ren). Eligibility Waiting Period means the continuous period of time (shown in the SCHEDULE OF BENEFITS) that you must be in Active Employment in an eligible class before you are eligible for coverage under the Policy. Employee means a person who is a citizen or legal resident of the United States in Active Employment with the Employer in the United States. Employer means the Policyholder and includes any division, subsidiary or affiliated company named in the Policy. Evidence of Insurability means your affirmation, on a form acceptable to us, of various factors that we will use to determine if you are approved for coverage. Those factors may include, but are not limited to, your medical history and treatment, driving record, and/or family medical history. We may also, at our expense, request additional information to determine your eligibility for coverage. Family and Medical Leave means the Family and Medical Leave Act of 1993 and any amendments ("FMLA"), or any other applicable state (including the District of Columbia), or local paid family and medical leave (“State FML”). Gross Weekly Payment means your benefit before any reduction for Deductible Sources of Income and Disability Earnings. Hospital, Health Facility or Institution means an accredited facility licensed according to state and local laws to provide care and treatment for the condition causing your Disability. The facility must be supervised by one or more Doctors with 24 hour registered graduate nursing staff. The facility may specialize in treating alcoholism, drug addiction, chemical dependency or Mental Illness. A facility specializing in treating alcoholism, drug addiction, chemical dependency or Mental Illness does not include a rest home, convalescent home, and home for the aged or a facility primarily for custodial or educational care. Injury means a bodily injury that is the direct result of an Accident and not related to, contributed to by, or resulting from any other cause. The injury must occur, and Disability resulting from the injury must begin, while you are covered under the Policy. Injury that occurs before you are covered under the Policy will be treated as a Sickness. Insured Person means an Employee who is eligible for coverage under the Policy, becomes covered according to the terms of the Policy, and whose coverage remains in effect according to the terms of the Policy. Material and Substantial Duties means duties that are normally required for the performance of your Regular Occupation and that cannot be reasonably omitted or modified, except that if you are required to work on average in excess of 40 hours per week, we will consider you able to perform that requirement if you have the capacity to work 40 hours per week.