The definition of disability is more restrictive after two years for Option 1.

Option 1: During the first 24 months, you are unable to perform the material and substantial duties of your regular occupation due to your illness or injury. After 24 months, you are unable to perform the materials and substantial duties of any gainful occupation for which you are reasonably fitted by education, training and experience.

Option 2: You are unable to perform the material and substantial duties of your regular occupation due to your illness or injury.

Both options require you to be under the regular care of a doctor and to have a 20% or more loss in weekly earnings. See the Summary Plan Description (SPD) on Your Benefits™ for complete details.