This Cash Replacement Plan provides the policyholder with the following benefits: Incapacity benefits for each continuous day after the deferred period you are incapacitated due to a sickness or a bodily injury as a direct result of an accident; and (if indicated on the schedule) Unemployment benefits for each continuous day after the deferred period you are no longer in full-time work and are registered as being unemployed (AS1) Pleas select one form depending on the claim.