XI. WHEN LTD BENEFITS END A. Your LTD Benefits end automatically on the earliest of the following: 1. The date you are no longer Disabled; 2. The date your Maximum Benefit Period ends; 3. The date you die; 4. The date you become eligible for coverage under any other group LTD plan under which you become insured through employment; 5. The date you fail to provide satisfactory objective medical evidence of continued Disability; 6. The date you fail to comply with our request to be examined by a Physician, other medical practitioner and/or a vocational or rehabilitation expert of our choice; 7. The date you refuse to accept an accommodated position, offered by your Employer, which you are able to perform, whether it is in your Own Occupation or Any Occupation; 8. The date at which you have resided outside of the United States or Canada for 6 months; 9. The date you are confined in a penal or correctional institution or under house arrest; 10. The date you fail to comply with any requirements set forth in Section XIX, Responsibilities of Disabled Insureds; 11. The date you are able to work and earn 80% of your Predisability Earnings but choose not to; 12. The date immediately following 6 consecutive months of paid LTD Benefits while you have Work Earnings. GLDI-C1600-(12/06) XII. PREDISABILITY EARNINGS A. Predisability Earnings means your earnings in effect on your last full day of Active Work prior to becoming Disabled. Unless otherwise specifically provided for under the Group Policy, any subsequent change in your earnings will not affect your Predisability Earnings. B. Methods of Calculating Predisability Earnings 1. Salaried Employees. Your monthly Predisability Earnings are equal to your annual Predisability Earnings divided by twelve. 2. Hourly Employees. If you are paid hourly, your monthly Predisability Earnings will be based on your hourly pay rate multiplied by the number of hours you are regularly scheduled to work per month, not to exceed 173.33 hours. If you do not have regular work hours, your monthly Predisability Earnings are based on the average number of hours you worked per month during the preceding 12 calendar months (or during your period of employment if less than 12 months), not to exceed 173.33 hours. C. Predisability Earnings includes the following: 1. your base rate of pay. D. Predisability Earnings does not include the following: 1. commissions; 2. bonuses; 3. overtime pay; 4. pay for extracurricular activities; 5. longevity pay; 6. extra duty pay; 7. supplemental pay; 8. shift differential; 9. your Employer’s contributions to your health insurance premium;