BENEFIT PROVISIONS INSURING CLAUSE: We will pay a Monthly Benefit if you: (1) are Totally Disabled as the result of a Sickness or Injury covered by the Policy; (2) are under the Regular Care of a Physician; (3) have completed the Elimination Period; and (4) submit satisfactory proof of Total Disability to us. Please refer to the Schedule of Benefits for the MONTHLY BENEFIT and OTHER INCOME BENEFITS. Benefits you are entitled to receive under OTHER INCOME BENEFITS will be estimated if the benefits: (1) have not been applied for; or (2) have been applied for and a decision is pending; or (3) have been denied and the denial may be appealed. The Monthly Benefit will be reduced by the estimated amount. If benefits have been estimated, the Monthly Benefit will be adjusted when we receive proof: (1) of the amount awarded; or (2) that benefits have been denied and the denial cannot be further appealed. If we have underpaid any benefit for any reason, we will make a lump sum payment. If we have overpaid any benefit for any reason, the overpayment must be repaid to us. At our option, we may reduce the Monthly Benefit or ask for a lump sum refund. If we reduce the Monthly Benefit, the Minimum Monthly Benefit, if any, as shown on the Schedule of Benefits page, would not apply. Interest does not accrue on any underpaid or overpaid benefit unless required by applicable law. For each day of a period of Total Disability less than a full month, the amount payable will be 1/30th of the Monthly Benefit. COST OF LIVING FREEZE: After the initial deduction for any Other Income Benefits, the Monthly Benefit will not be further reduced due to any cost of living increases payable under these Other Income Benefits. LUMP SUM PAYMENTS: If Other Income Benefits are paid in a lump sum, the sum will be prorated over the period of time to which the Other Income Benefits apply. If no period of time is given, the sum will be prorated over sixty (60) months. TERMINATION OF MONTHLY BENEFIT: The Monthly Benefit will stop on the earliest of: (1) the date you cease to be Totally Disabled; (2) the date you die; (3) the Maximum Duration of Benefits, as shown on the Schedule of Benefits page, has ended; (4) the date you fail to furnish the required proof of Total Disability; (5) the date you refuse to accept or to continue Rehabilitative Employment when such employment has been properly approved; (6) the date you cease to be under the Regular Care of a Physician; (7) the date you refuse to undergo, at our request and at our expense, an examination, diagnostic study, or testing. The examination, diagnostic study, or testing may be performed by a Physician, vocational expert, rehabilitation specialist, or other health care professional; (8) the date you decline treatment options recommended by your Physician and within generally accepted medical standards, for a Sickness or Injury for which you are claiming benefits under the Policy. Treatment options may include, but are not limited to, taking prescribed medications, participating in therapy, undergoing testing, and use of medical equipment; (9) the date you refuse to return to work with the assistance of: a. Modifications made to your work environment, functional occupational requirements, or work schedule; or b. Adaptive equipment or devices; that a qualified Physician has indicated will accommodate the restrictions and/or limitations of the Sickness or Injury for which you are claiming benefits under the Policy and will enable you to perform the material duties of an occupation from which you must be considered Totally Disabled in order to receive Monthly Benefits under the Policy; or LRS-6570-6-0719 Page 7.0