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DEFINITIONS (continued) WAIN DUTIES or MATERIAL AND SUBSTANTIAL DUTIES means those job duties which: 1. are normally required to perform the Insured Person's regular occupation; and 2. cannot reasonably be modified or omitted. It includes those main duties as performed in the national workforce; not as performed for a certain firm or at a certain work site. MEDICALLY APPROPRIATE TREATMENT means diagnostic services, consultation, care or services which are consistent with the symptoms or diagnosis causing the Insured Employee's Disability. Such treatment must be rendered: 1. by a Physician whose license and any specialty are consistent with the disabling condition; and 2. according to generally accepted, professionally recognized standards of medical practice. MONTHLY BENEFIT means the amount payable monthly by the Company to the Insured Employee who is Totally or Partially Disabled. OWN OCCUPATION PERIOD means a period as shown in the Schedule of Benefits. PARTIALLY DISABLED or PARTIAL DISABILITY shall be as defined in the Partial Disability Monthly Benefit sections. PARTIAL DISABILITY EMPLOYMENT means the Insured Employee is working at his or her own or any other occupation; but because of a Partial Disability: 1. the Insured Employee's hours or production is reduced; 2. one or more main duties of the job are reassigned; or 3. the Insured Employee is working in a lower -paid occupation. His or her current earnings must be at least 20% of Predisability Income, and may not exceed the percentage specified in the Partial Disability Benefit section. �HYSICIAN means: 1. a legally qualified medical doctor who is licensed to practice medicine, to prescribe and administer drugs, or to perform surgery; or 2. any other duly licensed medical practitioner who is deemed by state law to be the same as a legally qualified medical doctor. The medical doctor or other medical practitioner must be acting within the scope of his or her license; and must be qualified to provide medically appropriate treatment for the Insured Employee's disabling condition. Physician does not include the Insured Employee or a relative of the Insured Employee receiving treatment. (Relatives include the Insured Employee's spouse, siblings, parents, children and grandparents; and his or her spouse's relatives of like degree.) POLICY means this Group Long Term Disability Insurance Policy issued by the Company to the Policyholder. POLICYHOLDER means the person, individual, firm, trust or other organization as shown on the Face Page of this Policy. PREDISABILITY INCOME - See Basic Monthly Earnings. • GL3001 -LTD -5 98 7 01 /01 /01