No STD Benefits are payable until you have been Totally Disabled for the entire Elimination Period. Your Elimination Period for each period of Total Disability is determined according to the terms of the Labor Agreement between your Employer and your Local Union.

If you are confined as an inpatient in a legally constituted and operated hospital during your Elimination Period, the remainder of your Elimination Period will be waived and STD Benefits will be payable beginning on the first day of your hospital confinement.

Your Maximum Benefit Period is 26 weeks. The Maximum Benefit Period begins at the end of the Elimination Period.

You are Totally Disabled if you are unable, as a result of Sickness, Death, Accidental Bodily Injury or Pregnancy, to perform with reasonable continuity the material duties of your own occupation.

Short Term Disability Insurance does not cover any disability from the following:

• arising out of or in the course of any employment for wage or profit;
• war; and
• intentionally self‑inflicted injury.
   

No STD Benefit will be paid: 

• for the elimination period;
• after the end of the Maximum Benefit Period;
• when you are eligible to receive benefits under any Workers' Compensation
  or occupational disease law;
• when you are not under the regular care of a physician;
• when you are working for wage or profit; and
• when you are eligible to receive Personal Injury Protection loss of time benefits under a Motor Vehicle Insurance policy.

These exclusions and limitations are explained in detail in the Group Policy.

Your right to receive benefits for Total Disability which begins while you are insured will not be affected by the termination of the Group Policy after you become Totally Disabled, termination of your insurance while the Group Policy remains in force, or any amendments to the Group Policy approved after you become Totally Disabled.