Disability/Disabled You are considered Disabled if, solely because of Injury or Sickness, you are: 1. unable to perform the material duties of your Regular Occupation; and 2. unable to earn 80% or more of your Indexed Earnings from working in your Regular Occupation. After Disability Benefits have been payable for 24 months, you are considered Disabled if, solely due to Injury or Sickness, you are: 1. unable to perform the material duties of any occupation for which you are, or may reasonably become, qualified based on education, training or experience; and 2. unable to earn 80% or more of your Indexed Earnings. We will require proof of earnings and continued Disability. Disability Earnings Any wage or salary for any work performed for any employer during your Disability, including commissions, bonus, overtime pay or other extra compensation. Employee For eligibility purposes, you are an Employee if you work for the Employer and are in one of the "Classes of Eligible Employees." Otherwise, you are an Employee if you are an employee of the Employer who is insured under the Policy. Employer The Policyholder and any affiliates or subsidiaries covered under the Policy. The Employer is acting as your agent for transactions relating to this insurance. You shall not consider any actions of the Employer as actions of the Insurance Company. Full-time Full-time means the number of hours set by the Employer as a regular work day for Employees in your eligibility class. Furlough Furlough means a temporary suspension or alteration of Active Service initiated by the Employer, for a period of time specified in advance not to exceed 30 days at a time. Good Cause A medical reason preventing participation in the Rehabilitation Plan. Satisfactory proof of Good Cause must be provided to us. Indexed Earnings For the first 12 months Monthly Benefits are payable, your Indexed Earnings are equal to your Covered Earnings. After 12 Monthly Benefits are payable, your Indexed Earnings are your Covered Earnings plus an increase applied on each anniversary of the date Monthly Benefits became payable. The amount of each increase will be the lesser of: 1. 10% of your Indexed Earnings during your preceding year of Disability; or 2. the rate of increase in the Consumer Price Index (CPI-W) during the preceding calendar year. Injury Any accidental loss or bodily harm that results directly and independently from all other causes from an Accident. Insurability Requirement An eligible person satisfies the Insurability Requirement for an amount of coverage on the day we agree in writing to accept you as insured for that amount. To determine a person's acceptability for coverage, we will require you to provide evidence of good health and may require it be provided at your expense. 17