Definition of Disability

Total Disability

For Occupation classes 5A and 3A, (see “Definition of Occupation Classes” below) you are unable to perform the substantial and material duties of your regular occupation, you are not engaged in any other job or occupation for wage or profit, and you are receiving regular medical care from one or more physician(s) appropriate for your injury or sickness.

For Occupation classes 5P, 4P, 3P, and 4S, you are unable to perform the substantial and material duties of your regular occupation; and you are receiving regular medical care from one or more physician(s) appropriate for your injury or sickness.

IDI Benefit Occupational Codes

5P, 4P, 4S and 3P

Medical Professionals and affiliated health workers will be assigned an occupational code of

• 5P – Includes medical professionals who do not perform surgery or interventional procedures. Examples include pharmacists and family practice physicians.
• 4P – Most medical professionals who do not perform surgery or interventional procedures. Examples include neurologists, cardiologists and radiologists.
• 4S – Physicians who perform surgery or interventional procedures, with a few exceptions.
• 3P – Physicians with higher-risk practices. Examples are anesthesiologists, emergency room physicians and orthopedic surgeons. All nurses (all types), nurse managers, nurse practitioners and physician assistants.

3D

Dentists, Staff Dentists, Dental Specialists, Dental Assistants, and Dental Hygienists

3A

• Coaches (Head, Associate or Assistant)
• Facilities and Operations (Specialists, Sr. Specialists, and Managers)
• All Police/Fire Employees (Lieutenants, Sergeants, Directors, Detectives, Deputies, Captains, and Chiefs), Director of Public Safety
• TV and Radio Media (Reporters, Sales, Anchors, Hosts and Marketing)
• Managers of the following departments (Facilities and Infrastructure Project, Custodial, Plumbing, Procurement and Sourcing, Transportation, Maintenance Operations, Building Utilities & Automation Systems)
• All Clinical Managers, Professors, Associate Professors and Assistant Professors who work with different therapies (physical, occupational, rehabilitation, respiratory, human physiology and speech) and Athletic Training
• Any other manually intensive occupations or riskier occupations not listed here. Please consult the current The Standard’s online IDI Product Reference Guide or contact GSI underwriting at The Standard for any additional occupational questions.

5A

All other occupations with insurable income in excess of $100,000, not called out above for a 3A, will be assigned an occupational code of 5A.

Residual Disability Benefit
(also known as a Partial Disability Benefit)

Residual disability/residually disabled means you are not totally disabled; and you are working in your regular occupation or any other occupation; and due to your injury or sickness, you have a loss of income and either a loss of duties or a loss of time of at least 20%; and you are receiving regular medical care from one or more physician(s) appropriate for your injury or sickness.

The monthly residual disability benefit will be a percentage of your total monthly benefit. The monthly residual disability benefit will be determined by your loss of income for the month you are residually disabled divided by your prior income multiplied by your total monthly benefit.

For example, if an individual has a Monthly Benefit Amount of $5,000, and that individual went on a residual (partial) disability, and made half of what they were making previously (for example, pre-disability the individual was making $100,000 and during the partial disability was making $50,000), they would receive half of their monthly benefit.