• Elimination Periods:      Accident/Sickness   0/7,  0/14,  7/14,  0/30,  30/30 or  90/90

Separate periods of disability, if due to the same or related condition and not separated by 180 days or more, will be considered a continuation of the prior disability.  Separate periods of disability due to unrelated causes will be considered a continuation of the prior disability unless they are separated by your returning to work at a full-time job for at least one full day, during which you are performing the material and substantial duties of your job and are no longer qualified to receive disability benefits.  The benefit period is the maximum number of days for which benefits can be paid for any one or successive periods of disability.  Each new benefit period is subject to a new elimination period.  See the Policy Schedule for the benefit period you selected.  For the purposes of this calculation, a month will be defined as 30 days for which benefits are paid.

Benefits will be paid for only one disability at a time even if the disability is caused by more than one sickness, more than one injury, or sickness and injury.  AFLAC reserves the right to meet with you during the pendency of a claim or to use an independent consultant and physician's statement to determine whether you are totally disabled, or whether you are unable to perform two or more ADLs and require direct personal assistance.  You must be under the care and attendance of a physician for these benefits to be payable.  Benefits will cease on the date you are no longer totally disabled or at your death.  If you have any other disability benefit in force with AFLAC, only one disability benefit will be payable under this policy.

The effective date of the policy and riders will be the date shown in the Policy Schedule, not the date the application is signed.

Payroll rate may be retained after one month's premium payment on payroll deduction.

• Continence:  maintaining control of urination and bowel movements, including your ability to use ostomy supplies or other devices such as catheters;
• Transferring:  moving between the bed and the chair, or the bed and a wheelchair;
• Dressing:  putting on and taking off all necessary items of clothing and/or medically necessary braces and artificial limbs usually worn;
• Toileting:  getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene;
• Eating:  performing all major tasks of getting food into the body.

"Totally disabled" is defined as your continuing inability to perform the material and substantial duties of your full-time job.  You must also be under the care and attendance of a physician for your condition.

Disability caused by a pre-existing condition or re-injuries to a pre-existing condition will not be covered unless it begins more than 12 months after the effective date of coverage.  A "pre-existing condition" is a sickness or an injury for which, within the 12-month period before the effective date of coverage, medical advice, consultation or treatment was recommended or received, or for which symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care or treatment.  A "sickness" is a disease, disorder, infection or any other abnormal physical condition not caused by an injury that is first manifested or first treated more than 30 days after your effective date of coverage and while coverage is in force.  If the disease or disorder is first manifested or treated within the first 30 days after your effective date of coverage, it will be considered a pre-existing condition. 

AFLAC will not pay benefits for a disability that is caused by or occurs as a result of your:

• Giving birth within the first 10 months of the effective date of this policy as a result of a normal pregnancy (including Caesarean).  Complications of pregnancy will be covered to the same extent as a sickness;
• Being addicted to alcohol or drugs, unless administered by a physician or taken according to the physician's instructions;
• Participating in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician or taken according to the physician's instructions) or while intoxicated ("intoxicated" means that condition as defined by the law of the jurisdiction in which the accident occurred);
• Mountaineering using ropes and/or other equipment, parachuting or hang gliding;
• Participating in, or attempting to participate in, an illegal activity that is defined as a felony, whether charged or not (a felony is as defined by the law of the jurisdiction in which the activity takes place); or being incarcerated in any type penal institution;
• Intentionally self-inflicting a bodily injury or attempting suicide, while sane or insane;
• Having cosmetic surgery or other elective procedures that are not medically necessary or having dental treatment except as a result of injury;
• Being exposed to war or any act of war, declared or undeclared, or serving in any of the armed forces;
• Participating in any form of flight aviation other than as a fare-paying passenger in a fully-licensed/passenger-carrying aircraft;
• Participating in any sport or sporting activity for wage, compensation or profit or racing any type vehicle in an organized event;
• Being totally disabled while outside the territorial limits of the United States or, if outside the United States, outside the territorial limits of the place where your policy was issued;
• Being totally disabled due to any of the following:  bipolar affective disorder (manic depressive syndrome), delusional (paranoid) disorders, psychotic disorders, somatoform disorders (psychosomatic illness), eating disorders, schizophrenia, anxiety disorders or mental illness without demonstrable organic disease.  This policy will pay, however, for covered disabilities resulting from Alzheimer's disease or similar forms of senility or senile dementia (without a requirement of demonstrable organic disease) first manifested while coverage is in force.

Benefits will be paid for only one disability at a time even if the disability is caused by more than one sickness, more than one injury, or sickness and injury.