8 If we determine that your earnings vary substantially from month to month, we may determine Work Earnings by averaging your earnings over the most recent 3 month period. During the Own Occupation Period, you will no longer be Disabled when your average Work Earnings over the last 3 month period equal or exceed 80% of your Predisability Earnings, or when you are capable of earning 80% or more of your Predisability Earnings. During the Any Occupation Period, you will no longer be Disabled when your average Work Earnings over the last 3 month period equal or exceed 80% of your Predisability Earnings, or when you are capable of earning 80% or more of your Predisability Earnings. GLDI-C500-(12/06)-IN I. INSURING CLAUSE A. If you become Disabled while insured under the Group Policy, we will pay LTD Benefits according to the terms of your Employer’s coverage under the Group Policy, after we receive satisfactory Proof of Loss. GLDI-C600-(12/06) II. ELIGIBILITY FOR INSURANCE A. To be eligible for insurance under the Group Policy, you must be an Eligible Person. An Eligible Person is an Employee who has met the following requirements: 1. You must be an Employee. Employee means an individual who works for the Employer as a member of an Eligible Class who is reported on the Employer’s records for Social Security and tax withholding purposes. 2. You must be a citizen or legal resident of the United States or Canada, and you must reside in the United States or Canada; 3. You must be Actively at Work and capable of sustained Active Work on the effective date of your coverage. a) Active Work and Actively at Work mean performing all the Material Duties of your Own Occupation at your Employer’s usual place of business, and satisfying the Minimum Hourly Work Requirement. Actively at Work will include regularly scheduled days off, holidays, or vacation days, so long as you are capable of Active Work on those days. b) Minimum Hourly Work Requirement means the work hours over a given time period that are required of you by your Employer in order to be eligible for coverage. Your Minimum Hourly Work Requirement is specified in the Schedule of Benefits. c) Material Duties means the duties generally required by employers in the national economy of those engaged in a particular occupation that cannot be reasonably modified or omitted. In no event will working an average of more than 40 hours per week be considered a Material Duty. 4. You cannot be a temporary or seasonal employee, full-time member of the armed forces of any country, leased employee or independent contractor. 5. You must satisfy your Waiting Period. Waiting Period means the period of time that you must be Actively at Work as an Employee before your coverage may become effective. Your Waiting Period is specified in the “Schedule of Benefits”. GLDI-C700-(12/06)