LONG TERM DISABILITY BENEFIT INFORMATION HC13GPIN 20 B-21114 (11/25) • Benefits will end on the earlier of: – the date benefits end under our policy, as described under the WHEN PAYMENTS END provision. – the date benefits would have ended under the prior policy if it had remained in force. If you do not satisfy either our policy's or the prior policy's pre-existing condition provision, we will not make any payments. We will require proof that you were insured under the prior policy. All other provisions of our policy will apply. RECURRENT DISABILITY If you have a recurrent disability, and after your prior disability ended, you returned to work for your Employer for 6 months or less, we will treat your disability as part of your prior claim and you do not have to complete another elimination period. Only one maximum period of payment will apply when your disability is considered part of your prior claim. Your monthly payment will be based on your monthly earnings as of the date of your initial claim. Your disability, as outlined above, will be subject to the same terms of the policy as your prior claim. Your disability will be treated as a new claim if either of the following is true: • Your current disability is unrelated to your prior disability. • After your prior disability ended, you returned to work for your Employer for more than 6 consecutive months. The new claim will be subject to all of the provisions of the policy and you will be required to satisfy a new elimination period. A new maximum period of payment will apply. If our policy terminates and you become eligible for coverage under any other group disability plan that replaces our policy, you will not be eligible for coverage under our policy. VOCATIONAL REHABILITATION SERVICES We have vocational rehabilitation services available to assist you in returning to work to the extent of your ability. We will review your disability claim to determine whether you are eligible for these services. In order to be eligible for vocational rehabilitation services and benefits, you must be medically able to participate in a return to work plan. Your claim file will be reviewed by a vocational rehabilitation professional to determine if rehabilitation services might help you return to gainful employment. As your file is reviewed, medical and vocational information will be analyzed to determine an appropriate return to work plan. We will make the final determination of your eligibility for these services. If we determine that vocational rehabilitation services are appropriate, we will provide you with a written vocational rehabilitation plan developed specifically for you. The vocational rehabilitation plan may include, but is not limited to the following services: • Coordination with your Employer to assist you to return to work. • Evaluation of adaptive equipment or job accommodations to allow you to work. • Evaluation of possible workplace modifications which might allow you to return to work in your regular occupation or another job or occupation. • Vocational evaluation to determine how your disability may impact your employment options. • Job placement services, including resume preparation services and training in job-seeking skills. • Alternative treatment plans such as recommendations for support groups, physical therapy, occupational therapy or other treatment designed to enhance your ability to work.