unemployed
A person who is not engaged in remunerated work or business activities, for 10 hours or more a week. This definition does not include a homemaker or a person on leave without pay parental, study, long service or sabbatical leave.
waiting period
The period stated as such in the schedule for which no Total or Partial Disability Income Benefit is payable.
whole person functioning
Is defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association.
you/your
The “Policy Owner” named in the schedule .
809 TCP-EDI version 6 Effective 21 May 2019
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