Policy_Document_-_STD_B_Amendment_1_Def_of_Dis.pdf

This is a Group Policy Amendment document issued by Standard Insurance Company to the County of Dane, Wisconsin, modifying the Definition of Disability provisions under Group Policy 163054-B. The amendment, effective May 30, 2017, establishes an Own Occupation definition of disability requiring that an employee be unable to perform the material duties of their regular job with reasonable continuity and suffer a loss of at least 80 percent in pre-disability earnings when working in that occupation. Material duties are defined as the usual job responsibilities that cannot be reasonably modified or omitted, with a maximum threshold of 8 hours per day or 40 hours per week. The amendment applies to short-term and long-term disability coverage provided to eligible County of Dane employees.

The amendment specifies that disability determination is based on the employee's inability to perform their own occupation at the time disability begins, with earnings loss serving as a key qualifying metric. The Own Occupation definition represents a more restrictive disability standard than alternative definitions that might allow for consideration of other work capacity. This policy modification became effective under the Active Work Provisions and supersedes previous disability definitions contained in Group Policy 163054-B, establishing consistent standards for determining disability eligibility across the County's disability insurance program.