GC 3100.24G SECTION 8 - INSURING PROVISIONS 2005 (Pre-Disability: Indexed) (12 months/PD/Proportionate) SECTION 8 - INSURING PROVISIONS PRESUMPTIVE DISABILITY: When a Person is Disabled and his Current Monthly Income is 20% or less than his Indexed Pre-Disability Earnings, AUL will not reduce the Monthly Benefit by the Current Monthly Income. BENEFITS WHILE PARTIALLY DISABLED: When proof is received that a Person is Partially Disabled, then the Return to Work Benefit and Partial Disability Benefits apply. Benefits are payable upon completion of the Elimination Period. Partial Disability must be the direct result of the Injury or Sickness that caused the Disability immediately preceding it. RETURN TO WORK BENEFIT: While Partial Disability continues, this benefit will apply until the end of a 12- month period, beginning on the first day that Monthly Benefits are payable for Partial Disability. Under this Return To Work Benefit, the Current Monthly Income will not reduce the Monthly Benefit, unless the Current Monthly Income, combined with income from all other sources, including the Monthly Benefit, exceeds 100% of the Pre-Disability Earnings. If the combined income exceeds that amount, the Monthly Benefit will be reduced by any amount that is in excess of 100% of the Pre-Disability Earnings. PARTIAL DISABILITY BENEFIT: Upon completion of the Return To Work Benefit period, the benefit for Partial Disability will be calculated as follows: 1) Subtract the Person’s Current Monthly Income from the Person’s Indexed Pre-Disability Earnings. 2) Divide the answer in Item 1) by the Person’s Indexed Pre-Disability Earnings. The result is the Person’s percentage of lost earnings. 3) From the Person’s Gross Monthly Benefit, subtract any Other Income Benefits; 4) Multiply the answer in Item 2) by the answer in Item 3). The answer in Item 4) is the Person’s benefit for Partial Disability.