TOTAL DISABILITY BENEFIT PERIODS 3, 6, 12, 18 or 24 months PARTIAL DISABILITY BENEFIT PERIOD 3 months ELIMINATION PERIODS (INJURY/SICKNESS) 0/7, 0/14, 7/7, 7/14, 14/14, 0/30, 30/30, 60/60, 90/90, 180/180 WAIVER OF PREMIUM Premium waived, month to month, for policy and any applicable rider(s) for as long as you