ICC19 RL-STD-CERT-19 15 D12972 (11/25) Disability payments under a Retirement Plan will be those benefits which are paid due to Disability and do not reduce the retirement benefit which would have been paid if the Disability had not occurred. Retirement payments will be those benefits which are paid based on your Employer's contribution to the Retirement Plan. Disability benefits which reduce the retirement benefit under the plan will also be considered as a retirement benefit. Regardless of how the retirement funds from the Retirement Plan are distributed, we will consider the Employer and Employee contributions to be distributed simultaneously throughout your lifetime. Amounts received do not include amounts rolled over or transferred to any eligible Retirement Plan. We will use the definition of eligible Retirement Plan as defined in Section 402 of the Internal Revenue Code including any future amendments which affect the definition.  The amount that you, your Spouse and your children receive, or are eligible to receive, as disability payments because of your Disability under: – The United States Social Security Act. – The Canada Pension Plan. – The Quebec Pension Plan. – Any similar plan or act.  The amount that you receive as retirement payments or the amount your Spouse and your children receive as retirement payments because you are receiving retirement payments under: – The United States Social Security Act. – The Canada Pension Plan. – The Quebec Pension Plan. – Any similar plan or act.  The amount you earn or receive from any form of employment. If you have income from secondary employment, and such employment began prior to your date of Disability, the amount of income you were receiving from that secondary employment before your Disability began is not a Deductible Source of Income. Any increase in income from that secondary employment occurring after your date of Disability is a Deductible Source of Income.  The amount you receive from any unemployment compensation law. With the exception of retirement payments, amounts earned or received from any form of employment and amounts received from any unemployment compensation Law, we will only subtract Deductible Sources of Income which are payable as a result of the same Disability. We will not reduce your payment by your Social Security retirement income if your Disability begins after age 65 and you were already receiving Social Security retirement payments. COST OF LIVING INCREASES FOR DEDUCTIBLE SOURCES OF INCOME Other than for increases in any income you earn from any form of employment, once we have subtracted any Deductible Sources of Income from your Gross Weekly Payment, we will not further reduce your payment due to a cost of living increase from that source. IF YOU QUALIFY FOR DEDUCTIBLE SOURCES OF INCOME When we determine that you may qualify for benefits for which you are eligible in the DEDUCTIBLE SOURCES OF INCOME provision, we will estimate your entitlement to these benefits. We can reduce your benefit under the Policy by the estimated amounts if such benefits have either:  Not been awarded or denied.  Been denied and the denial is being appealed. Your Gross Weekly Payment will NOT be reduced by the estimated amount if both of the following are true:  You apply for the disability payments for which you are eligible in the DEDUCTIBLE SOURCES OF INCOME provision and appeal your denial to all administrative levels we determine are necessary.  You Sign our form. This form states that you promise to pay us any overpayment caused by an award and we shall be entitled to impose a constructive trust on any such award.