Page 2 Benefit plan and features Elimination Period 90 Days Maximum Benefit Period Age When Disabled Maximum Duration Prior to Age 63 To your Social Security Normal Retirement Age or 48 months, whichever is greater Age 63 To your Social Security Normal Retirement Age or 42 months, whichever is greater Age 64 36 months Age 65 30 months Age 66 27 months Age 67 24 months Age 68 21 months Age 69 and over 18 months Definition of Disability You are prevented from performing one or more of the Essential Duties of: 1) Your Occupation during the Elimination Period; 2) Your Occupation, for the 24 months following the Elimination Period, and as a result Your Current Monthly Earnings are less than 80% of Your Indexed Pre-disability Earnings; and 3) after that, Any Occupation. Pre-Existing Condition Limitation 3/12 Return to Work Incentive Benefit Included Rehabilitation Services Included Rehabilitation Bonus Benefit Included Survivor Income Benefit Included Family Care Deduction Benefit Included Workplace Accommodation Benefit Included Understanding your benefits Commonly Used Terms Elimination Period Means the number of days you need to be disabled before Long-Term Disability benefits begin. Maximum Benefit Period Defines the maximum period of time benefits may be payable.