5 DEFINITIONS Active Work and Actively at Work are defined in Section II. Any Occupation means any job for which you are qualified by education, training, or experience regardless of whether you are working in that or another occupation. Contributory means that you pay all or a portion of the premium for insurance. CPI-W means the Consumer Price Index for Urban Wage Earners and Clerical Workers published by the United States Department of Labor. If the CPI-W is discontinued or changed, we may use a comparable index. Where required, we will obtain prior state approval of the new index. Deductible Income is defined in Section XIV. Disability and Disabled are defined in Section VIII. Eligible Class means an employment classification defined by the Employer and specified in the “Schedule of Benefits”. You must be a member of an Eligible Class in order to be eligible for insurance under the Group Policy. Eligible Person is defined in Section II. Elimination Period means the period of time that you must be continuously Disabled before LTD Benefits become payable. No LTD Benefits are payable during the Elimination Period. Your Elimination Period is specified in the “Schedule of Benefits”. Employee is defined in Section II. Employer means an employer (including approved affiliates and subsidiaries) participating in the Schools Insurance Fund of Wisconsin and to which we have assigned a Plan Number and issued a Joinder Agreement. Evidence of Insurability is defined in Section III. Group Policy with respect to the Policyowner means the group LTD insurance policy issued by us to the Policyowner. Group Policy with respect to an Employer means only those provisions of the Group Policy, including the options and variables requested by the Employer, that we have approved for that Employer with respect to its eligible employees. The Employer’s coverage under the Group Policy is described in the Joinder Agreement provided by us to the Employer and identified by the Plan Number. Gross LTD Benefit is defined in Section XIII. Guarantee Issue is the amount of coverage provided, up to the Maximum Monthly Benefit, which is not subject to Evidence of Insurability. Hospital means a legally operated hospital providing full-time medical care and treatment under the direction of a full-time staff of licensed physicians. Rest homes, nursing homes, convalescent homes, homes for the aged and facilities primarily affording custodial, educational, or rehabilitative care are not Hospitals. Injury means a bodily injury that is the direct result of an accident, and results directly and independent of disease or bodily infirmity, and which in and of itself results in your Disability within 90 days.