WEEKLY INCOME INSURANCE BENEFITS PAYABLE: We will pay Weekly Income Benefits if an Insured: (1) is Disabled due to Sickness or Injury; and (2) becomes Disabled while insured by this Policy. Weekly Income Benefits are reduced by any income from all Other Sources as listed below and payable from the Day Benefits Begin. Benefits are payable up to the Maximum Benefit Period for one period of disability. Weekly Income Benefits, the Day Benefits Begin and the Maximum Benefit Period can be found on the Schedule of Benefits. 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 Weekly Income Benefit or ask for a lump sum refund. If we reduce the benefit, the Minimum 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. PERIOD OF DISABILITY: Each period of disability starts from the first day benefits are due. It will end when: (1) the Insured is no longer disabled; (2) all benefits due have been paid; or (3) the Insured has retired from employment with you. Two or more disabilities will be deemed the same period of disability if they are from: (1) the same or related causes and are not separated by one (1) week of active work; or (2) a different cause and are not separated by one (1) full day of active work. EXCLUSIONS: Weekly Income Benefits are not paid for any period of disability: (1) caused or contributed to by an intentionally self-inflicted Injury; or (2) caused or contributed to by an act of war, declared or undeclared; or (3) caused by an Injury or Sickness that occurs while the Insured is confined to any penal or correctional institution; or (4) while the Insured is confined in any penal or correctional institution; or (5) caused or contributed to by the Insured committing a felony; or (6) caused or contributed to by Sickness which is covered by a Workers' Compensation Act, or other worker's disability law; or (7) caused or contributed to by Injury which occurs out of or in the course of work for wage or profit; or (8) caused or contributed to by any of the following: (a) cosmetic surgery or treatment primarily to change appearance; (b) in vitro fertilization; (c) embryo transfer procedures; (d) artificial insemination; (e) reversal of sterilization; (f) liposuction; or (g) radial keratotomy. LRS-6451-8-0113 Page 7.0