14 D. Loss of License or Certification. For an Insured Person whose occupation requires a license, a restriction or loss of license does not, in itself, constitute a Disability. E. Preventive Measures. Your inability to perform any of your Material Duties because of preventive treatments or other preventive measures does not, by itself, constitute a Disability. F. Your Own Occupation Period and Any Occupation Period are specified in the Schedule of Benefits. GLDI-C1300-(12/06) IX. CUMULATIVE ELIMINATION PERIOD A. If, during the Elimination Period, you return to Active Work at your Own Occupation or Any Occupation with your Employer and you then become Disabled again from the same or related cause(s), the Elimination Period will be determined as follows: 1. If your return to Active Work is for a total of 15 or less Working Days, the Elimination Period will be counted from the first day of the first period of Disability. The number of days you return to work will be added to and extend the Elimination Period by that number of days. 2. If the return to Active Work is for a total of more than 15 Working Days, the Elimination Period will start over and apply in full to the new period of Disability. B. For the purposes of this provision, any day for which you receive pay will be considered a working day. GLDI-C1400-(12/06) X. RECURRENT DISABILITY A. If you return to work for your Employer from a Disability for which benefits were payable under the Group Policy and then become Disabled again due to the same or related cause, we will treat the separate periods of Disability as one period of continuous Disability, provided you are continuously insured under the Group Policy during the period of recovery and the period of recovery does not exceed 3 months. Benefits resume on the date your Disability recurs. B. If you return to work for your Employer from a Disability covered under the Group Policy and then become Disabled again due to an unrelated cause, we will treat the subsequent Disability as a new claim, subject to all of the terms of the Group Policy. C. If you return to work for your Employer from a Disability covered under the Group Policy and then become Disabled again more than 3 months after you return to work, the subsequent Disability will be treated as a new claim, subject to all of the terms of the Group Policy. D. For the purposes of this provision, if your occupation with the Employer does not allow you to be Actively at Work for the entire calendar year due to a seasonal or regularly scheduled employment break, we will consider you to have returned to work if you would have been able to return to work had work been regularly scheduled. GLDI-C1500-(12/06)

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