ICC19 RL-STD-CERT-19 7 D12972 (11/25) Maximum Benefit means the total weekly benefit amount for which you are insured under the Policy subject to all Policy provisions. Maximum Capacity means, based on your restrictions and limitations, the greatest extent of work you are able to do in your Regular Occupation. Maximum Period of Payment means the longest period of time we will make payments to you for any one period of Disability. Mental Illness means a psychiatric or psychological condition classified in the Diagnostic and Statistical Manual of Mental Health Disorders (DSM), published by the American Psychiatric Association, most current as of the start of a Disability. Such disorders include, but are not limited to: psychotic, emotional or behavioral disorders, or disorders related to stress or to substance abuse or dependency. If the DSM is discontinued or replaced, these disorders will be those classified in the diagnostic manual then used by the American Psychiatric Association as of the start of a Disability. Non-Contributory means insurance for which the Policyholder does not require you to pay any part of the Premium. The Certificate specifies who pays the cost of the coverage. Occupational Sickness or Injury means a Sickness or Injury that was caused by or aggravated by any employment for pay or profit. Partial Disability or Partially Disabled means that, due to your Sickness or Injury, one of the following is true:  You are able to perform the Material and Substantial Duties of your Regular Occupation or another occupation on a less than full-time basis and as a result your Disability Earnings are less than 80% of your Weekly Earnings.  You are able to perform one or more, but not all, of the Material and Substantial Duties of your Regular Occupation or another occupation on a full-time or Part-time Basis and as a result your Disability Earnings are less than 80% of your Weekly Earnings. This definition does not apply if you are Totally Disabled. This definition is used to determine the amount of your Weekly Payment under the Policy. The elimination period may be satisfied by combining days of Total Disability and Partial Disability. You do not need to be Totally Disabled before being considered Partially Disabled. The loss of a professional or an occupational license or certification does not, in itself, constitute Partial Disability. Part-time Basis means the ability to work and earn from 20% through 80% of your Weekly Earnings. Ability is based on capacity and not market availability. Payable Claim means a claim for which we are liable under the terms of the Policy. Policy means the Written group insurance contract between us and the Policyholder. Policyholder means the Employer to whom the Policy is issued and who sponsors and administers the coverage for its Employees. Premium means the amount the Policyholder will pay to us for the insurance provided under the Policy. Prior Policy means the Policyholder’s short term disability income insurance policy and the individual disability income policy for which you were insured on the day prior to the effective date of our Policy.