{"component": "definition", "props": {"groups": [{"snippet_links": [{"key": "your-occupation", "type": "definition", "offset": [6, 21]}, {"key": "your-disability", "type": "clause", "offset": [52, 67]}, {"key": "partial-disability", "type": "clause", "offset": [71, 89]}, {"key": "for-the-purposes-of", "type": "clause", "offset": [97, 116]}, {"key": "this-plan", "type": "definition", "offset": [146, 155]}, {"key": "the-national", "type": "clause", "offset": [226, 238]}], "snippet": "means your occupation that you were performing when your Disability or Partial Disability began. For the purposes of determining Disability under this plan, Lincoln will consider your occupation as it is normally performed in the national economy.", "samples": [{"hash": "lYxx1rkRzKF", "uri": "https://schaefflerbenefits.com/api/1.0/download/561e71ddf2b8d84a51fcfb4161873a1c73229df86d8f44eccb519256a88c7434/2024-12-11%20AT-SCHAEFFLER%20GROUP%20LTD%20CERT%20CL%202.pdf?i=1", "label": "Notice", "score": 24.5509929657, "published": false}, {"hash": "iDo5IYPK5w7", "uri": "https://rewards.syneoshealth.com/-/media/Mercer/Syneos/Documents/20241126-NBSYNEOS-HEALTH-LLCLTD-CERT.pdf?rev=162242d4dc214bb2b7a526b2f58c7304&hash=4E5C920B9F82EDED109828657D9C9438", "label": "Notice", "score": 23.7210273743, "published": false}, {"hash": "d61jPK0VO6L", "uri": "https://boone.health/wp-content/uploads/2021/09/17.-2021-03-22-DS-BOONE-HEALTH-INC.-LTD-CERT-CL11.pdf", "label": "Notice", "score": 23.7089920044, "published": false}], "size": 101, "hash": "53d776a28d6ed5acef86bda7e5e4db62", "id": 1}, {"snippet_links": [{"key": "regular-occupation", "type": "definition", "offset": [10, 28]}, {"key": "this-agreement", "type": "clause", "offset": [65, 79]}, {"key": "at-the-time", "type": "definition", "offset": [80, 91]}], "snippet": "means the regular occupation in which Executive is engaged under this Agreement at the time Executive becomes disabled.", "samples": [{"hash": "i53oofqB9hA", "uri": "/contracts/i53oofqB9hA#own-occupation", "label": "Employment Agreement (Curbline Properties Corp.)", "score": 37.4791238877, "published": true}, {"hash": "48hxofKluVV", "uri": "/contracts/48hxofKluVV#own-occupation", "label": "Employment Agreement (Curbline Properties Corp.)", "score": 37.4791238877, "published": true}, {"hash": "fRKw3KKjixG", "uri": "/contracts/fRKw3KKjixG#own-occupation", "label": "Employment Agreement (SITE Centers Corp.)", "score": 36.1594810486, "published": true}], "size": 33, "hash": "628f740dec0c6c9e7bd0db92c4bbbad3", "id": 2}, {"snippet_links": [{"key": "the-activity", "type": "clause", "offset": [6, 18]}, {"key": "source-of-income", "type": "definition", "offset": [70, 86]}, {"key": "not-limited", "type": "clause", "offset": [94, 105]}, {"key": "specific-position", "type": "clause", "offset": [113, 130]}, {"key": "your-employer", "type": "definition", "offset": [145, 158]}, {"key": "other-employer", "type": "clause", "offset": [239, 253]}], "snippet": "means the activity that you regularly perform and that serves as your source of income. It is not limited to the specific position you held with your Employer. It may be a similar activity that could be performed with your Employer or any other employer.", "samples": [{"hash": "134HkmFxyRS", "uri": "https://handbook.citibenefitsonline.com/2019-LTD-Certificate.pdf", "label": "handbook.citibenefitsonline.com", "score": 9.9733057022, "published": false}, {"hash": "eCKGSlUl3No", "uri": "https://www.bwxt.com/media/4e48f299-7b6b-44e7-968b-5b948638fae4/56Kr1w/Documents/Employee%20Benefits/2017/Summary%20Plan%20Descriptions%202017/BWXT%20-%202017%20LTD%20SPD.pdf", "label": "www.bwxt.com", "score": 8.362080574, "published": false}, {"hash": "aTWuhKjJwVO", "uri": "https://www.bwxt.com/media/cdfcef35-7d8f-4ef9-9884-b11e6024e007/Y0sLoQ/Documents/Employee%20Benefits/Summary%20Plan%20Descriptions%202016/BWXT%20-%202016%20LTD%20SPD.pdf", "label": "www.bwxt.com", "score": 7.8706364632, "published": false}], "size": 12, "hash": "65903bd672b26d3115bc6e1bb1342a92", "id": 3}, {"snippet_links": [{"key": "the-covered-person", "type": "definition", "offset": [6, 24]}, {"key": "partial-disability", "type": "clause", "offset": [84, 102]}, {"key": "for-the-purposes-of", "type": "clause", "offset": [110, 129]}, {"key": "this-policy", "type": "definition", "offset": [159, 170]}, {"key": "the-national", "type": "clause", "offset": [257, 269]}], "snippet": "means the Covered Person's occupation that he was performing when his Disability or Partial Disability began. For the purposes of determining Disability under this policy, Lincoln will consider the Covered Person's occupation as it is normally performed in the national economy.", "samples": [{"hash": "i2E4mBqI3J7", "uri": "https://www.dartmouth.edu/hr/docs/benefits/2025_dartmouth_ltd.pdf", "label": "Notice", "score": 24.5167694092, "published": false}, {"hash": "lA6dv9TuwA7", "uri": "https://rewards.syneoshealth.com/-/media/Mercer/Syneos/Documents/2024-11-26-NB-SYNEOS-HEALTH-LLC-LTD-POL.pdf?rev=6ab3d5208b544f44836502cca63b7a16&hash=8FD036B5F2BA9311227EDB6161C74CC5", "label": "Notice", "score": 24.0435791016, "published": false}, {"hash": "aZrXnH0g7u3", "uri": "https://www.follettcontent.com/assets/lib/017otherdl/2024-04-03%20ds-follett%20content-ltd%20pol.pdf", "label": "Notice", "score": 23.761177063, "published": false}], "size": 12, "hash": "1785e2c31103a6a370aecda5ca858ab0", "id": 4}, {"snippet_links": [{"key": "duties-of", "type": "clause", "offset": [20, 29]}], "snippet": "means the essential duties of your own", "samples": [{"hash": "9A2H4dKUwHe", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/personal-protection-menu/1502-plan-details-for-personal-protection-menu-pc021c.0215.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}, {"hash": "3AsBRVvWLpR", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/personal-protection-menu/1409-plan-details-for-personal-protection-menu-pc021c.0914.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}, {"hash": "fWfWFWC4mef", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/personal-protection-menu/1309-plan-details-for-personal-protection-menu-pc021c.0913.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}], "size": 11, "hash": "934387946070957942c5536319f1321b", "id": 5}, {"snippet_links": [{"key": "duties-of", "type": "clause", "offset": [20, 29]}, {"key": "section-d", "type": "clause", "offset": [55, 64]}], "snippet": "means the essential duties of your own occupation (see section D).", "samples": [{"hash": "eiSVv7jNu0c", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/lifestyle-protection-menu/1310-plan-details-for-the-lifestyle-protection-plan-pc1864c.1013.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}, {"hash": "5L4rERH550q", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/business-protection-menu/1509-plan-details-for-the-business-protection-menu-pc1178c.0915.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}, {"hash": "f8OqNbe4zh4", "uri": "https://www.royallondon.com/siteassets/site-docs/insurance/plan-details-bright-grey/business-protection-menu/1409-plan-details-for-the-business-protection-menu-pc1178c.0914.pdf", "label": "www.royallondon.com", "score": 6.7426419258, "published": false}], "size": 10, "hash": "fbb89399320cd0a3ca45b4c133e47430", "id": 6}, {"snippet_links": [{"key": "own-job", "type": "definition", "offset": [61, 68]}, {"key": "any-occupation", "type": "definition", "offset": [100, 114]}, {"key": "the-job", "type": "clause", "offset": [197, 204]}], "snippet": "means you can make a claim if you are unable to perform your own job; however, being covered under \u2018Any Occupation\u2019 means that you have to be unable to perform any job, with equivalent earnings to the job you were doing before not taken into account.", "samples": [{"hash": "93HKp7E4Feb", "uri": "https://www.bwmltd.org/downloads/wealthpreservation.pdf", "label": "www.bwmltd.org", "score": 9.4668035507, "published": false}, {"hash": "b8SKiNDqAtH", "uri": "https://serenityfp.com/wp-content/uploads/2015/11/A-Guide-to-Wealth-Preservation-2015.pdf", "label": "serenityfp.com", "score": 9.4599590302, "published": false}, {"hash": "fNTHWrzvs4P", "uri": "https://www.edenfwm.co.uk/downloads/wealthpreservation.pdf", "label": "www.edenfwm.co.uk", "score": 9.4421625137, "published": false}], "size": 7, "hash": "210f71fecd89165493115bd9629be575", "id": 7}, {"snippet_links": [{"key": "customary-occupation", "type": "definition", "offset": [20, 40]}, {"key": "beginning-of", "type": "clause", "offset": [170, 182]}, {"key": "period-of-disability", "type": "clause", "offset": [185, 205]}, {"key": "occupation-period", "type": "definition", "offset": [276, 293]}, {"key": "ltd-insurance", "type": "clause", "offset": [369, 382]}, {"key": "severance-of-employment", "type": "definition", "offset": [409, 432]}], "snippet": "means the usual and customary occupation which a claimant performed on a regular and continuing basis before becoming disabled. One's own occupation is determined at the beginning of a period of disability and takes into account professionally recognized specialties. The own occupation period as spelled out is limited to 12 months for any disability that begins when LTD insurance is continued because of a severance of employment.", "samples": [{"hash": "eSUslsZHBA5", "uri": "/contracts/eSUslsZHBA5#own-occupation", "label": "Collective Agreement", "score": 28.4312477112, "published": true}, {"hash": "hc84DN3R7Ox", "uri": "/contracts/hc84DN3R7Ox#own-occupation", "label": "Collective Agreement", "score": 23.2778911591, "published": true}, {"hash": "IguTEAlKc9", "uri": "/contracts/IguTEAlKc9#own-occupation", "label": "Collective Agreement", "score": 23.2778911591, "published": true}], "size": 6, "hash": "791df7085ad2d75b0662498c3b24db8b", "id": 8}, {"snippet_links": [{"key": "your-occupation", "type": "definition", "offset": [6, 21]}, {"key": "your-disability", "type": "clause", "offset": [52, 67]}, {"key": "partial-disability", "type": "clause", "offset": [71, 89]}], "snippet": "means your occupation that you were performing when your Disability or Partial Disability began.", "samples": [{"hash": "7suVRW6ovSU", "uri": "https://benefits.hitachivantara.com/wp-content/uploads/2024/03/Long-Term-Disability-Certificate-of-Coverage.pdf", "label": "Notice", "score": 23.5968704224, "published": false}, {"hash": "9gNx4LNgCnh", "uri": "https://benefits.autodesk.com/sites/autodesk/files/documents/Autodesk_Lincoln_LTD_Certificate_of_Coverage-042624.pdf", "label": "benefits.autodesk.com", "score": 19.568901062, "published": false}, {"hash": "xRVr8YuuzL", "uri": "https://benefits.adobe.com/document/678", "label": "Notice", "score": 15.4202604294, "published": false}], "size": 5, "hash": "92b2f5b41281743062075e6598a58a22", "id": 9}, {"snippet_links": [{"key": "regular-position", "type": "clause", "offset": [10, 26]}, {"key": "work-classification", "type": "definition", "offset": [35, 54]}, {"key": "temporary-assignment", "type": "clause", "offset": [71, 91]}, {"key": "a-member", "type": "clause", "offset": [102, 110]}, {"key": "at-the-time", "type": "definition", "offset": [124, 135]}, {"key": "became-disabled", "type": "definition", "offset": [139, 154]}, {"key": "short-term", "type": "clause", "offset": [156, 166]}, {"key": "gross-earnings", "type": "definition", "offset": [192, 206]}, {"key": "wages-and-salaries", "type": "definition", "offset": [223, 241]}, {"key": "schedule-1", "type": "definition", "offset": [256, 266]}, {"key": "this-agreement", "type": "clause", "offset": [270, 284]}, {"key": "or-equivalent", "type": "definition", "offset": [286, 299]}, {"key": "index-rate", "type": "definition", "offset": [300, 310]}, {"key": "based-on", "type": "definition", "offset": [348, 356]}, {"key": "number-of-hours", "type": "clause", "offset": [432, 447]}, {"key": "day-period", "type": "definition", "offset": [467, 477]}, {"key": "prior-to-the", "type": "clause", "offset": [490, 502]}, {"key": "the-disability", "type": "clause", "offset": [508, 522]}, {"key": "shift-differential", "type": "clause", "offset": [570, 588]}, {"key": "service-pay", "type": "definition", "offset": [590, 601]}, {"key": "statutory-holiday", "type": "clause", "offset": [603, 620]}, {"key": "other-payments", "type": "clause", "offset": [628, 642]}, {"key": "wages-and-salary", "type": "clause", "offset": [683, 699]}, {"key": "to-the-member", "type": "clause", "offset": [715, 728]}], "snippet": "means the regular position, job or work classification (apart from any temporary assignment) to which a Member was assigned at the time he became disabled. Short term Pre-Disability Bi-weekly Gross Earnings means the basic wages and salaries prescribed in Schedule 1 of this Agreement (or equivalent index rate) that the Member received or is due, based on the classification or position in which the Member worked for the greatest number of hours in the 60 calendar day period immediately prior to the date the Disability occurred. This excludes all bonuses, overtime, shift differential, service pay, statutory holiday or any other payments that are not considered a part of basic wages and salary, normally paid to the Member.", "samples": [{"hash": "4QuM3oKzxX3", "uri": "/contracts/4QuM3oKzxX3#own-occupation", "label": "Collective Bargaining Agreement", "score": 29.7085819244, "published": true}, {"hash": "3LqvXTuk7tK", "uri": "/contracts/3LqvXTuk7tK#own-occupation", "label": "Collective Agreement", "score": 24.4172496796, "published": true}, {"hash": "4DoJA2da362", "uri": "/contracts/4DoJA2da362#own-occupation", "label": "Collective Agreement", "score": 24.3881549835, "published": true}], "size": 5, "hash": "f66316d4ff076c7816ca156d70e00efb", "id": 10}], "next_curs": "ClsSVWoVc35sYXdpbnNpZGVyY29udHJhY3RzcjcLEhpEZWZpbml0aW9uU25pcHBldEdyb3VwX3Y1NiIXb3duLW9jY3VwYXRpb24jMDAwMDAwMGEMogECZW4YACAA", "definition": {"snippet": "means your occupation that you were performing when your Disability or Partial Disability began. For the purposes of determining Disability under this plan, Lincoln will consider your occupation as it is normally performed in the national economy.", "title": "Own Occupation", "size": 254, "id": "own-occupation", "examples": ["If you are unable to perform one or more of these duties with reasonable continuity, we will then determine whether those duties are customarily required of other individuals engaged in your <strong>Own Occupation</strong>.", "If any specific, material duties required of you by your job differ from the material duties customarily required of other individuals engaged in your <strong>Own Occupation</strong>, then we will not consider those duties in deter- mining what Substantial And Material Acts are necessary to pursue your <strong>Own Occupation</strong>.", "<strong>Own Occupation</strong> may be interpreted to mean the employment, business, trade or profession that involves the Substantial And Material Acts of the occupation you are regularly performing for your Employer when Disability begins.", "As a result of physical disease, injury, mental disorder, substance abuse or pregnancy, you are considered disabled if you are unable to perform one or more of the material duties of your <strong>Own Occupation</strong> during your <strong>Own Occupation</strong> Period.", "You are Totally Disabled from your <strong>Own Occupation</strong> if, as a result of Physical Disease, Injury, Pregnancy or Mental Disorder, you are unable to perform with reason- able continuity the Substantial And Material Acts necessary to pursue your <strong>Own Occupation</strong> and you are not working in your <strong>Own Occupation</strong>.", "You are not Disabled from your <strong>Own Occupation</strong> merely because your right to perform your <strong>Own Occupation</strong> is restricted, including a restriction or loss of license.", "In determining what Substantial And Material Acts are necessary to pursue your <strong>Own Occupation</strong>, we will first look at the specific duties required by your job.", "After your <strong>Own Occupation</strong> Period ends, you are still considered disabled only if you are unable to perform one or more of the material duties of Any Occupation.", "Substantial And Material Acts means the important tasks, functions and operations generally re- quired by employers from those engaged in your <strong>Own Occupation</strong> that cannot be reasonably omitted or modified.", "<strong>Own Occupation</strong> is not necessarily limited to the specific job you perform for your Employer."], "related": [["any-occupation", "Any Occupation", "Any Occupation"], ["home-occupation", "Home occupation", "Home occupation"], ["regulated-occupation", "Regulated occupation", "Regulated occupation"], ["regular-occupation", "Regular Occupation", "Regular Occupation"], ["apprenticeable-occupation", "Apprenticeable occupation", "Apprenticeable occupation"]], "related_snippets": [], "updated": "2026-06-28T07:51:00+00:00"}, "json": true, "cursor": ""}}