Bene昀椀ts Overview TOTAL DISABILITY This convenient, affordable disability income plan will help provide needed income if you become Totally Disabled and are unable to work due to a covered injury or illness. Total disability bene昀椀ts will be payable monthly once the elimination period has been satis昀椀ed. PARTIAL DISABILITY The Partial Disability Bene昀椀t helps you transition back into full-time work after suffering a disability. If you remain partially disabled and are only able to work earning less than 80 percent of your pre-disability income at any job, this plan will still pay you 50 percent of your selected monthly bene昀椀t for up to the maximum partial disability bene昀椀t period of 3 months after the elimination period. You do not have to have received the Total Disability bene昀椀t to receive the Partial Disability bene昀椀t. WAIVER OF PREMIUM Premiums are waived after 90 days of Total Disability. After Total Disability bene昀椀ts end, any premiums which become due must be paid in order to keep your insurance in force. This bene昀椀t is not available on plans with a 3-month bene昀椀t period. PORTABILITY If you cease employment with your employer, you may elect to continue your coverage. In order to continue your coverage you must meet all of the requirements listed below. • You must work full-time for another employer. • You must make a written application and pay the required premium to us within 31 days after the date your insurance would otherwise terminate. • You must continue to pay any required premiums. The coverage you may continue is that which you had on the date your employment terminated. If you qualify for this portability privilege as described, then the same bene昀椀ts, plan provisions, and premium rate shown in your certi昀椀cate as previously issued will apply. Coverage may not be continued if you fail to pay any required premium or if the master policy terminates. Instructions for continuing coverage will be provided within your certi昀椀cate of coverage. What you need, when you need it. Group disability insurance pays cash bene昀椀ts that you can use any way you see 昀椀t when you are unable to work due to an accident or sickness.