How do I qualify for a disability benefit?
In order to qualify for a disability benefit, you must:
- Be enrolled in the Program for a minimum of thirty (30) consecutive days before your disability begins
- Be unable to perform the material and substantial duties of your occupation, or be unable to perform the normal activities of a person of like age if you are not gainfully employed
- Be under the care of a licensed doctor or a licensed health care practitioner who will verify your disability, and who is not a family member
- Notify us within three hundred and sixty-five (365) days after the first date of disability
- Complete and return any forms required by us as proof of disability
- Meet all requirements, as determined by us, applicable to your circumstances as described in the Credit Protection Program Agreement and Disclosure