See Deductible Income for this and other Deductible Income. OTHER PROVISIONS Survivors Benefit Amount: A lump sum equal to 3 times your monthly LTD Benefit without reduction by Deductible Income. COLA Benefit: Yes, the Group Policy contains a cost of living adjustment provision. Continuity of Coverage: Yes Predisability Earnings based on: Earnings in effect on your last full day of Active Work. PREMIUM CONTRIBUTIONS Employer-Paid Insurance: Contributions from Members for insurance are not required except while on approved educational leave or USERRA leave (leave for service in the uniformed services as defined in the Uniformed Services Employment and Reemployment Rights Act). Employee-Paid Insurance: Contributions from Members are required. 377661-B - 5 - 6/29/2022