Accidental Bodily Injury
Bodily harm caused solely by external, violent and accidental means and not contributed to by any other cause.
Active Employment
You are working for your Employer for earnings that are paid regularly and that you are performing the material and substantial duties of your regular occupation. You must be working at least the minimum number of hours as described under Eligible Class(es) in each plan.
Your work site must be:
- your Employer's usual place of business;
- an alternative work site at the direction of your Employer, including your home; or
- a location to which your job requires you to travel.
Normal vacation is considered active employment. Temporary and seasonal workers are excluded from coverage.
Annual Earnings
Your gross annual income from services with your Employer which was last reported to GuideStone Financial Resources of the Southern Baptist Convention prior to the date of loss. It may include your total income just before taxes and before any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 403(b) annuity, Section 125 plan, flexible spending account, or qualified transportation plan. It may include income actually received from bonuses, overtime pay, housing allowance or any other extra compensation, or income received from sources as last reported to GuideStone Financial Resources of the Southern Baptist Convention.
Employee
A person who regularly provides personal services at the Employee's usual and customary place of employment with the Employer or at any other place that the Employer's business requires the Employee to go. The person must be duly recorded as an Employee on the payroll records of the Employer and is compensated for such services by salary or wages.
Employer
A church or ministry organization that is eligible to utilize products and services made available by or through GuideStone Financial Resources of the Southern Baptist Convention or its successor.
Evidence of Good Health
A statement of your or your dependent's medical history which Unum will use to determine if you or your dependent is approved for coverage. Evidence of insurability will be at Unum's expense.
Injury
A bodily injury that is the direct result of an accident and not related to any other cause.
Loss of a Foot
All of the foot is cut off at or above the ankle joint.
Loss of a Hand
All four fingers are cut off at or above the knuckles joining each to the hand.
Loss of Hearing
The total and irrecoverable loss of hearing in both ears.
Loss of Sight
The eye is totally blind and no sight can be restored in that eye.
Loss of Speech
The total and irrecoverable loss of speech.