LONG TERM DISABILITY BENEFIT INFORMATION HC13GPIN 19 B-21114 (11/25) discharged, we will send you payment(s) for a recovery period of up to 90 days. If you become reconfined at any time during the recovery period and remain confined for at least 14 days in a row, we will send payment(s) during that additional confinement and for one additional recovery period up to 90 more days. If you continue to be disabled after the 24 month period, and subsequently become confined to a hospital, health facility or institution for at least 14 days in a row, we will send payment(s) during the length of the reconfinement. If you are disabled due to carpal tunnel syndrome or one or more herniated or ruptured disc(s) and the carpal tunnel syndrome or herniated or ruptured disc(s) require that a surgical procedure be performed by a doctor, then the maximum period of payment will be up to 24 months immediately following the most recent surgical procedure. We will not make payments beyond the limited pay period as indicated above, or the maximum period of payment, whichever occurs first. CONTINUITY OF COVERAGE If you are not in active employment due to injury or sickness or leave of absence or temporary layoff on the date your Employer changes insurance carriers to our policy, and you were covered under the prior policy at the time your Employer's coverage under our policy became effective, we will provide continuity of coverage under our policy. In order for this provision to apply, the prior policy's coverage must be similar to our policy. If you are not in active employment due to injury or sickness or leave of absence or temporary layoff on the effective date of our policy, and you would otherwise be eligible to become insured under our policy, we will provide limited coverage under our policy. Coverage under this provision will begin on our policy effective date and will continue until the earliest of the following: • The date you return to active employment. • The end of any period of continuance or extension provided under the prior policy. • The date coverage would otherwise end, according to the provisions of our policy. Your coverage under this provision is subject to payment of premium. Any benefits payable under this provision will be paid as if the prior policy had remained in force. We will reduce your payment by any amount for which the prior carrier is liable. If coverage ends under this provision, or if you were not covered under your Employer's prior policy on the date that policy terminated, the WHEN COVERAGE BEGINS provision under our policy will apply. CONTINUITY OF COVERAGE AND PRE-EXISTING CONDITIONS We may pay benefits if your disability is caused by, contributed by or results from a pre-existing condition if both of the following are true: • You were insured by the prior policy at the time your Employer changed insurance carriers to our policy. • You have been continuously covered under our policy from the effective date of our policy through the date your disability began. In order to receive a payment, you must satisfy the pre-existing condition provision under either our policy or under the prior policy, if benefits would have been paid had that policy remained in force. If you satisfy the pre-existing condition provision of our policy, we will determine your payments according to our policy's provisions. If you do not satisfy the pre-existing condition provision of our policy, but you do satisfy the prior policy's pre-existing condition provision, then both of the following apply: • Your monthly payment will be the lesser of: – the monthly payment that would have been payable under the terms of the prior policy had it remained in force. – the monthly payment under our policy.