6 Insured Person means an Eligible Person whose coverage has become effective under the Group Policy. Joinder Agreement means the document entered into between the Policyowner, the Employer and us describing the coverage requested by the Employer with respect to its Employees, which has been approved by us and assigned a Plan Number. Late Enrollee means an Employee who applies for coverage under the Group Policy more than 31 days after becoming an Eligible Person. LTD means long term disability. LTD Benefit means the net benefit payment due to you after deductions are applied to your Gross LTD Benefit as provided for under the Group Policy. Your LTD Benefit is calculated under Section XIII. Material Duties is defined in Section II. Maximum Benefit Period means the longest period for which LTD Benefits are payable for any one period of continuous Disability, whether from one or more causes. It begins at the end of the Elimination Period. No LTD Benefits are payable after the end of the Maximum Benefit Period, even if you are still Disabled. Your Maximum Benefit Period is specified in the “Schedule of Benefits”. Mental Disorder means any mental, emotional, behavioral, psychological, personality, cognitive, mood or stress- related abnormality, disorder, disturbance, dysfunction or syndrome listed in the latest edition of American Psychiatric Association Diagnostic and Statistical Manual or the International Classification of Disease. Noncontributory means the Employer pays the entire premium for insurance. Own Occupation means the occupation you routinely perform for the Employer at the time Disability begins. We will look at your occupation as it is normally performed in the national economy, instead of how the work tasks are performed for a specific employer or at a specific location. Physical Disease means a physical disease entity or process that produces structural or functional changes in the body as diagnosed by a Physician. Physical Disease includes Pregnancy. Physician means a licensed medical professional under the laws of a state of the United States of America, acting within the scope of such license, who is permitted by law to prescribe medications and practice independent of supervision. For the purpose of this Group Policy, Physician will not include you or your Spouse, or the brother, sister, parent or child of either an Insured Person or an Insured Person’s Spouse. Plan Effective Date means the date on which the Group Policy (with respect to the Employer) becomes effective. Plan Number means the number used by us to reference an Employer and the terms of coverage specified under that Employer’s Joinder Agreement. Policyowner means Schools Insurance Fund of Wisconsin. Predisability Earnings is defined in Section XII. Pregnancy means your pregnancy, childbirth, or related medical conditions, including complications of pregnancy.