PARTIAL DISABILITY BENEFIT Sample Clauses

PARTIAL DISABILITY BENEFIT. If you become Partially Disabled after qualifying for Disability Benefits, the LTD Group Benefit Carrier will pay a Partial Disability Benefit, as outlined below: Definition of Partially Disabled During a period of two (2) years following the Qualifying Period, you will be considered Partially Disabled if you are able to work in your own occupation but, due to your disability, you can only do so in a reduced capacity such that your pre-disability earnings are reduced by fifteen percent (15%) or more. After this period, you will be considered Partially Disabled if, due to your disability, you can only work in a reduced capacity in any occupation such that your pre-disability earnings are reduced by fifteen percent (15%) or more.

PARTIAL DISABILITY BENEFIT. If you are Partially Disabled due to Sickness or Injury we will pay the Partial Disability Benefit as determined below. When does the benefit start? We will only start paying the Partial Disability Benefit if you are Partially Disabled as a result of the same Sickness or Injury beyond the Waiting Period. The Partial Disability Benefit starts to accrue from the first day after the Waiting Period has ended. A Monthly Benefit) Where ‘A’ is your Pre-Disability Income, and ‘B’ is your Monthly Income for the month for which Partial Disability is claimed. The Partial Disability Benefit is payable to you but that part of the benefit which comprises the portion of any Super Continuance Monthly Benefit will be paid to a superannuation plan in accordance with condition 4.3 of this Policy. If you have been Totally Disabled for at least the Waiting Period and then return to work on a partial basis, and as a result your Monthly Income is 20% or less of your Pre- Disability Income, we will pay the Total Disability Benefit instead of the Partial Disability Benefit for up to three months. If, due to the same or a related Sickness or Injury, you become Totally Disabled whilst the Partial Disability Benefit is payable, the Partial Disability Benefit ceases and the Total Disability Benefit starts to accrue. If you become unemployed or go on leave without pay while the Partial Disability Benefit is payable, we will make a rea- sonable estimate of your Monthly Income when we calculate the benefit, taking into account: ■ your loss of earnings after you became Disabled but before you became unemployed or went on leave without pay; ■ medical advice, including the opinion of your Medical Practitioner; and ■ any other factors which we consider have a bearing on what you could reasonably be expected to earn if you were working.