LONG TERM DISABILITY BENEFIT INFORMATION HC13GPIN 21 B-21113 (11/25) VOCATIONAL REHABILITATION BENEFIT If you are receiving monthly payments under the policy, and you are participating in a vocational rehabilitation plan, you may be eligible for an additional Vocational Rehabilitation Benefit. We will pay an additional benefit of 10% of your gross monthly payment to a maximum of $1,000 per month. This benefit is not subject to policy provisions which would otherwise increase or reduce the benefit amount such as deductible sources of income. However, the Total Benefit Cap will apply. Vocational Rehabilitation Benefits will end on the earliest of the following dates: • The date we determine that you are no longer eligible to participate in a vocational rehabilitation plan. • The date you are no longer participating in a vocational rehabilitation plan. • Any other date on which monthly payments would stop in accordance with the policy. WORKPLACE MODIFICATION BENEFIT If you are disabled and are receiving a payment under the policy from us, a Workplace Modification Benefit may be payable to your Employer. Subject to the maximum amount below, we will reimburse your Employer for 100% of the reasonable costs your Employer incurs through modifications to the workplace to accommodate your return to work, and to assist you in remaining at work. The amount we pay will not exceed the lesser of the following: • Two times your last monthly payment. • $2,000. You must meet both of the following requirements: • Be disabled according to the terms of the policy. • Have the reasonable expectation of returning to active employment and remaining in active employment with the assistance of the proposed workplace modification. Your Employer must give us a written proposal of the proposed workplace modification. This proposal must include all of the following: • Input from the Employer, you and your doctor. • The purpose of the proposed workplace modification. • The expected completion date of the workplace modification. • The cost of the workplace modification. We will reimburse the costs of the workplace modification when all of the following are true: • We approve the proposal in writing. • We receive proof from your Employer that the workplace modification is complete. • We receive proof of the costs incurred by your Employer for the workplace modification. The Workplace Modification Benefit is available on a one-time basis for each insured person under the policy. SURVIVOR BENEFIT When we receive proof that you have died, we will pay your eligible survivor a lump sum benefit equal to three (3) times your gross monthly payment if, on the date of your death, both of the following are true: • Your disability had continued for 180 or more consecutive days. • You were receiving or were eligible to receive payments under the policy. If you have no eligible survivors, payment will be made to your estate, unless there is none. In this case, no payment will be made. However, we will first apply the Survivor Benefit to recover any overpayment that may exist on your claim.