ICC19 RL-STD-CERT-19 16 D12972 (11/25) If your Gross Weekly Payment has been reduced by an estimated amount, your Gross Weekly Payment will be adjusted when we receive either of the following:  Proof of the amount awarded.  Proof that benefits have been denied and all appeals we determine necessary have been completed. In this case, a lump sum refund of the estimated amount will be made to you. If you receive a lump sum payment from any Deductible Source of Income, the lump sum will be pro-rated on a weekly basis over the time period for which the sum was given. If no time period is stated, the sum will be pro-rated on a weekly basis from the date of the award over your expected lifetime as determined by us. We will not estimate your entitlement to the following:  Payments you receive as disability payments under your Employer’s Retirement Plan;  Payments you voluntarily elect to receive as retirement payments under your Employer’s Retirement Plan;  Payments you receive as retirement payments when you reach the later of age 62 or normal retirement age, as defined in your Employer’s Retirement Plan;  The amount you receive as disability income payments under any “no fault” motor vehicle plan; or  The amount you receive for lost income from a Third Party (after subtracting attorney’s fees) by award, judgment, settlement or otherwise. EXCEPTION: if the award, judgment or settlement does not specify the lost income amount, we will estimate the amount using a percentage of the total amount received based on your Weekly Earnings, prorated to cover the period for which the award, judgment or settlement was made. NON-DEDUCTIBLE SOURCES OF INCOME We will not subtract from your Gross Weekly Payment income you receive from the following:  401(k) plans, 403(b) or 457 qualified deferred contribution plans.  Profit sharing plans.  Thrift plans.  Tax-sheltered annuities.  Stock ownership plans.  Credit Disability insurance.  Non-qualified plans of deferred compensation.  Pension plans for partners.  Military pension plans.  Franchise Disability income plans.  Individual Disability plans paid for by the Insured Person other than through payroll deduction.  A retirement plan from another employer.  Individual retirement accounts (IRA). MINIMUM PAYMENT The Minimum Payment each week for a Payable Claim is $25. We may apply this amount to recover any outstanding overpayment. DURATION OF PAYMENTS We will send you a payment each week up to the Maximum Period of Payment. Your Maximum Period of Payment is stated in the SCHEDULE OF BENEFITS and will be paid during a continuous period of Disability.