If we have underpaid any benefit for any reason, we will make a lump sum payment. If we have overpaid any benefit for any reason, the overpayment must be repaid to us. At our option, we may reduce the Monthly Benefit or ask for a lump sum refund. If we reduce the Monthly Benefit, the Minimum Monthly Benefit, if any, as shown on the Schedule of Benefits page, would not apply. Interest does not accrue on any underpaid or overpaid benefit unless required by applicable law. For each day of a period of Total Disability less than a full month, the amount payable will be 1/30th of the Monthly Benefit. COST OF LIVING FREEZE: After the initial deduction for any Other Income Benefits, the Monthly Benefit will not be further reduced due to any cost of living increases payable under these Other Income Benefits. LUMP SUM PAYMENTS: If Other Income Benefits are paid in a lump sum, the sum will be prorated over the period of time to which the Other Income Benefits apply. If no period of time is given, the sum will be prorated over sixty (60) months. TERMINATION OF MONTHLY BENEFIT: The Monthly Benefit will stop on the earliest of: (1) the date the Insured ceases to be Totally Disabled; (2) the date the Insured dies; (3) the Maximum Duration of Benefits, as shown on the Schedule of Benefits page, has ended; (4) the date the Insured fails to furnish the required proof of Total Disability; (5) the date the Insured refuses to accept or to continue Rehabilitative Employment when such employment has been properly approved; (6) the date the Insured ceases to be under the Regular Care of a Physician; (7) the date the Insured refuses to undergo, at our request and at our expense, an examination, diagnostic study, or testing. The examination, diagnostic study, or testing may be performed by a Physician, vocational expert, rehabilitation specialist, or other health care professional; (8) the date the Insured declines treatment options recommended by his or her Physician and within generally accepted medical standards, for a Sickness or Injury for which the Insured is claiming benefits under the Policy. Treatment options may include, but are not limited to, taking prescribed medications, participating in therapy, undergoing testing, and use of medical equipment; (9) the date the Insured refuses to return to work with the assistance of: a. Modifications made to the Insured’s work environment, functional occupational requirements, or work schedule; or b. Adaptive equipment or devices; that a qualified Physician has indicated will accommodate the restrictions and/or limitations of the Sickness or Injury for which the Insured is claiming benefits under the Policy and will enable the Insured to perform the material duties of an occupation from which the Insured must be considered Totally Disabled in order to receive Monthly Benefits under the Policy; or (10) the date the Insured resides outside the United States or Canada. We will consider the Insured to reside outside of these countries if the Insured has been outside the United States or Canada for a total period of 3 months or more during any 6 consecutive months of the Insured’s receipt of Monthly Benefits under the Policy. RECURRENT DISABILITY: If, after a period of Total Disability for which benefits are payable, an Insured returns to Active Work for at least six (6) consecutive months, any recurrent Total Disability for the same or related cause will be part of a new period of Total Disability. A new Elimination Period must be completed before any further Monthly Benefits are payable. If an Insured returns to Active Work for less than six (6) months, a recurrent Total Disability for the same or related cause will be part of the same Total Disability. A new Elimination Period is not required. Our liability for the entire period will be subject to the terms of this Policy for the original period of Total Disability. This Recurrent Disability section will not apply to an Insured who becomes eligible for insurance coverage under any other group long term disability insurance plan. LRS-6564-9-0719 Page 9.1