DEFINITIONS

For the purposes of this Policy the following definitions apply:

Commencement Date” means the date specified in the Schedule as the Commencement date and the date specified in the benefit certificate with respect to each insured person.

“Earning means the insured’s gross weekly rate of remuneration including regular overtime and or shift allowance but exclusive of bonuses of payments of an irregular nature and as declared to us on the Application form.

Earning will be averaged over the prior of six months from the date benefit becomes payable or over such lesser period as the insured may have been engaged in the occupation nominated in the Application.