MINIMUM MONTHLY BENEFIT: In no event will the Monthly Benefit payable to you be less than $100. MAXIMUM MONTHLY BENEFIT: $6,983 (this is equal to a maximum Covered Monthly Earnings of $10,474). MAXIMUM DURATION OF BENEFITS: Benefits will not accrue beyond the longer of: the Duration of Benefits; or Normal Retirement Age; specified below: Age at Disablement Duration of Benefits (in years) 61 or less To Age 65 62 3 ½ 63 3 64 2 ½ 65 2 66 1 ¾ 67 1 ½ 68 1 ¼ 69 or more 1 OR Normal Retirement Age as defined by the 1983 Amendments to the United States Social Security Act and determined by your year of birth, as follows: Year of Birth Normal Retirement Age 1937 or before 65 years 1938 65 years and 2 months 1939 65 years and 4 months 1940 65 years and 6 months 1941 65 years and 8 months 1942 65 years and 10 months 1943 thru 1954 66 years 1955 66 years and 2 months 1956 66 years and 4 months 1957 66 years and 6 months 1958 66 years and 8 months 1959 66 years and 10 months 1960 and after 67 years CHANGES IN MONTHLY BENEFIT: Increases in the Monthly Benefit are effective on the date of the change, provided you are Actively at Work on the effective date of the change. If you are not Actively at Work on that date, the effective date of the increase in the benefit amount will be deferred until the date you return to Active Work. Decreases in the Monthly Benefit are effective on the date the change occurs. CONTRIBUTIONS: You are not required to contribute toward the cost of this insurance. Premium contributions will not be included in your gross income. For purposes of filing your Federal Income Tax Return, this means that under the law as of the date the Policy was issued, your Monthly Benefit might be treated as taxable. It is recommended that you contact your personal tax advisor. LRS-6570-1-0406 Page 1.1