GROUP LONG TERM DISABILITY INSURANCE

Insured's weekly pre-disability earnings: $1,000 Short term disability benefit percentage: x 70% Unreduced maximum benefit: $700 Less Social Security

•  Benefit begins the later of 90 days of continuous disability or the date your Short Term. payments end,

If You elect Noncontributory Disability Income Insurance when You are first eligible for such insurance under this certificate, and later You request a change to

If you were actively at work and insured under the Group Policy on its Effective Date, and you were covered under the Policyholder's prior group disability income plan on the day

This Benefit will be paid to the end of your Maximum Disability Period, or 66 Regular Days of Required Attendance, whichever is less, if on the date of your death: (a) your

Your Disability Payment will be the lesser of the Disability Benefit described in the Benefit Schedule or 60% of Monthly Compensation less any Deductible Sources of Income you

Your monthly LTD benefits will be 66.67% of your monthly pre-disability earnings, less deductible sources of income and disability earnings, up to a maximum monthly benefit

The Long Term Disability benefit replaces a portion of your predisability monthly earnings, less other income you may receive from other sources 1 during the same Disability