LONG TERM DISABILITY BENEFIT INFORMATION HC13GPIN 15 B-21113 (11/25) IF YOUR DISABILITY EARNINGS FLUCTUATE If your disability earnings routinely fluctuate widely from month to month, we may average your disability earnings over the most recent three months to determine if your claim should continue. If we average your disability earnings, we will not terminate your claim unless the average of your disability earnings from the last three months exceeds 80% of your indexed monthly earnings. We will not pay you for any month during which your disability earnings exceed the amount allowable under the policy. In no event will benefits be paid beyond the maximum period of payment. WE WILL NEVER PAY MORE THAN 100% OF MONTHLY EARNINGS If you are eligible to receive benefits under the policy in addition to the monthly payment, the total benefit payable to you on a monthly basis (including all benefits provided under the policy) will not exceed 100% of your monthly earnings. However, if you are participating in a vocational rehabilitation plan, the total benefit payable to you on a monthly basis (including all benefits provided under the policy) will not exceed 110% of your monthly earnings. DEDUCTIBLE SOURCES OF INCOME The following are deductible sources of income: • The amount that you receive, or are eligible to receive, as disability income payments under any: – State compulsory benefit act or law. – Automobile liability insurance policy or "no fault" motor vehicle plan, whichever is applicable. – Military disability benefit plan. – Governmental retirement system as a result of your job with your Employer. – Other group insurance policy. • The amount you receive as a result of any action brought under Title 46, United States Code Section 688 (The Jones Act ). • The amount you receive from a third party (after subtracting attorney's fees) by judgment, settlement or otherwise. • The amount that you: – receive as disability payments under your Employer's retirement plan; – voluntarily elect to receive as retirement payments under your Employer's retirement plan; or – are eligible to receive as retirement payments when you reach the later of age 62 or normal retirement age, as defined in your Employer's retirement plan. Disability payments under a retirement plan will be those benefits which are paid due to disability and do not reduce the retirement benefit which would have been paid if the disability had not occurred. Retirement payments will be those benefits which are paid based on your Employer's contribution to the retirement plan. Disability benefits which reduce the retirement benefit under the plan will also be considered as a retirement benefit. Regardless of how the retirement funds from the retirement plan are distributed, we will consider the Employer and insured person contributions to be distributed simultaneously throughout your lifetime. Amounts received do not include amounts rolled over or transferred to any eligible retirement plan. We will use the definition of eligible retirement plan as defined in Section 402 of the Internal Revenue Code including any future amendments which affect the definition. • The amount that you, your spouse and your children receive, or are eligible to receive, as disability payments because of your disability under: – The United States Social Security Act. – The Canada Pension Plan. – The Quebec Pension Plan. – Any similar Plan or Act.