^1.  Maximum Monthly Benefit is 75% of pre-disability monthly earnings. 
^2. Total Disability is defined as the inability of the Insured, by reason of illness or accidental injury, to perform each and every duty of his/her own occupation, and that he/she is under continuous medical care and attention. After 24 monthly benefit payments, Total Disability means the Insured is unable to perform each and every duty in his/her own occupation or any gainful occupation for which he/she is reasonably suited by his/her education, training or experience. If the Insured is unemployed immediately before the onset of disability, Total Disability is defined as the complete and continuous inability of the Insured to perform any three or more of the Activities for Daily Living. 
^3. Residual Disability means the Insured is able to perform one or more but not all the duties of his/her own occupation, and that he/she asunder continuous medical care and attention. After 24 monthly benefit payments, Residual Disability means the Insured is able to perform one or more but not all duties in his/her own occupation or any gainful occupation for which he/she is reasonably suited by his/her education, training or experience. To be eligible to receive Residual Disability Benefits, the Insured must be active at work immediately before the date when the event or illness causing Total Disability occurs. 
^4. % of reduced earnings = (Pre-disability monthly earnings - Monthly income during rehabilitation) / Pre-disability monthly earnings x 100% 

^5. The Daily Home Nursing Benefit amount will be equal to the actual expenses involved in hiring a registered home nurse, or 1/30 of the monthly benefit paid by the plan, or HK$300, whichever is the lowest. 

^6. The calculation of total premiums paid will be based on the annual modal premium.

^6. The calculation of total premiums paid will be based on the annual modal premium.