An injury or impairment of faculty which prevents the injured person from performing certain functions of his/her occupation.
An injury or impairment of faculty which prevents the injured person from performing certain functions of his/her occupation.
A group policy provision which will pay the life benefit when (1) the insured is totally and continuously disabled at the time the policyholder stops paying premium, until the insured’s death; and (2) if the insured dies within one year of the date the premium payments stopped, or prior to age 65.