GC 3100.5D SECTION 2 - DEFINITIONS 2005 (Wrk/NonWrk) (Indexed) SECTION 2 - DEFINITIONS EVIDENCE OF INSURABILITY means a statement or proof of a Person's medical history upon which acceptance for insurance will be determined by AUL. FAMILY SOCIAL SECURITY BENEFITS means benefits that a Person, his spouse or Child(ren) are entitled to receive as a result of the Person's eligibility for disability insurance benefits or old age insurance benefits through the Federal Social Security Administration. GAINFUL OCCUPATION means an occupation that is or can be expected to provide a Person with an income within 12 months of the Person’s return to work, that exceeds: 1) 80% of the Person’s Indexed Pre-Disability Earnings, if the Person is working; 2) 60% of the Person’s Indexed Pre-Disability Earnings, if the Person is not working. GROSS MONTHLY BENEFIT means a Person’s Monthly Benefit before any reductions for Other Income Benefits. GUARANTEED ISSUE AMOUNT means the amount of coverage that does not require Evidence of Insurability. This amount is shown on the Schedule Of Benefits. INDEXED PRE-DISABILITY EARNINGS means a Person's Pre-Disability Earnings increased annually by the Consumer Price Index, up to a maximum of 10%. The increase will be effective on the July 1st following the first 12 consecutive calendar months of receiving Disability benefits and on each subsequent July 1st. INDIVIDUAL REINSTATEMENT means that Personal Insurance that has been terminated due to cessation of Active Work may be reinstated in accordance with Section 5A of the Group Policy. INJURY means bodily injury resulting directly from an accident and that occurs independently of all other causes while a Person is insured under the Group Policy. This includes all other conditions related to the same Injury sustained by a Person while insured under the Group Policy. MALE PRONOUN whenever used includes the female. MATERIAL AND SUBSTANTIAL DUTIES means duties that: 1) are normally required for the performance of a Person’s Regular Occupation; and 2) cannot be reasonably omitted or modified, except that if the Person is required to work on average in excess of 40 hours per week, then AUL will consider the Person able to perform that requirement if he has the capacity to work 40 hours per week. MAXIMUM BENEFIT DURATION means the maximum amount of time that benefits will be payable for Disability. This amount of time is stated on the Schedule of Benefits.