GC 3100.22D SECTION 8 - INSURING PROVISIONS 2005 (2x EP/Residual) SECTION 8 - INSURING PROVISIONS MINIMUM MONTHLY BENEFIT: While a Monthly Benefit is payable under the Group Policy, the Monthly Benefit shall not be reduced to an amount less than the Minimum Monthly Benefit indicated on the Schedule of Benefits. COST OF LIVING ADJUSTMENT FREEZE: If the Person receives a cost of living increase, with regard to Other Income Benefits, after the date benefits actually become payable under the Group Policy, the Monthly Benefit will not be further reduced by such cost of living increase. For purposes of this provision, a cost of living increase is any annual increase reasonably related to the annual increase in any generally recognized cost of living measurement that applies to all Persons who are entitled to receive such benefits. TERMINATION OF THE MONTHLY BENEFIT: The Monthly Benefit will cease on the EARLIEST of the following: 1) the date Current Monthly Income equals or exceeds 80% of his Indexed Pre-Disability Earnings; 2) the date a Person ceases to be Disabled; 3) the date a Person dies; 4) the date the Maximum Benefit Duration shown on the Schedule of Benefits is completed; 5) the date a Person fails to give AUL required proof of his Disability; 6) the date a Person refuses to allow an examination requested by AUL; 7) the date a Person is no longer under the Regular Attendance and care of a Physician; 8) the date a Person refuses to provide any evidence required by AUL to verify his Current Monthly Income; or 9) the date a Person leaves the United States or Canada and establishes his residence in any other country. A Person will be considered to reside outside these countries when the Person has been outside the United or Canada for a total period of six (6) months or more during any 12 consecutive months of Monthly Benefit payments. ACCUMULATION OF ELIMINATION PERIOD: For the purposes of accumulating the Elimination Period the following will apply if the Residual Benefit* is elected by the Participating Unit on the Subscription Agreement: For Participating Units with Elimination Periods of 90 days, if the Person satisfies the Elimination Period within 180 days, then the Disability will be treated as continuous. *If the Participating Unit does NOT elect the Residual Benefit, substitute “Total Disability” for the term “Disability,” and Totally Disabled for Disabled, as used in the above provision. The ACCUMULATION OF THE ELIMINATION PERIOD provision is only applicable as long as the Participating Unit’s coverage remains in force with AUL. RESIDUAL BENEFIT: If the residual benefit is elected on the Subscription Agreement then the Elimination Period can be met using Total Disability, Partial Disability, or combination of both. Vacation pay, salary continuation and/or sick leave pay will not be considered Current Monthly Income during the Elimination Period under this benefit.