GC 3100.1 TABLE OF CONTENTS 2005 TABLE OF CONTENTS PROVISIONS SECTION Schedule of Benefits 1 Definitions 2 Eligibility and Individual Effective Date 3 Changes in Insurance 4 Terminations 5 Individual Reinstatement 5A Continuation of Personal Insurance under FMLA 5B Continuation of Personal Insurance During A Leave of Absence and Temporary Layoff 5C Continuation of Personal Insurance During A Leave of Absence 5D For Active Military Service Premium Payment 6 General Policy Provisions 7 Claim Procedures 7A Insuring Provisions 8 Exclusions 9 Drug and Alcohol Abuse Limitation 10 Mental Illness Limitation 11 Continuity of Coverage 12 Cost of Living Adjustment Benefit 14 Vocational Rehabilitation Program 15A Workplace Modification Benefit 16

Certificate of Insurance for Group Long Term Disability Income Insurance - Page 2 Certificate of Insurance for Group Long Term Disability Income Insurance Page 1 Page 3