1. The date Employee-Paid LTD Benefits cease to be payable. 2. The date the Employer’s higher education retirement plan in which you participate terminates or may no longer accept the Higher Education Retirement Contributions Benefit on your behalf. D. Other Provisions 1. We may terminate or change the amount of your Higher Education Retirement Contributions Benefit at the Policyholder’s request when necessary to comply with the Internal Revenue Code, ERISA, or any other federal or state laws. 2. If the Higher Education Retirement Contributions Benefit is not accepted by your Employer’s mandatory higher education retirement plan, no further Higher Education Retirement Contributions Benefits will be payable. Any Higher Education Retirement Contributions Benefits not accepted by your Employer’s mandatory higher education retirement plan are required to be returned to Standard Insurance Company. 3. If the Member directs contributions to more than one retirement fund or account the Member must designate in writing one fund or account to receive all benefits payable under this provision. In the absence of such written designation, we, at our sole discretion will determine to which fund or account the Higher Education Retirement Contributions Benefit will be payable. LT.PC.01X SURVIVORS BENEFIT If you die while LTD Benefits are payable, we will pay a Survivors Benefit according to 1 through 4 below. 1. The amount of the Survivors Benefit is shown in the Coverage Outline. 2. The Survivors Benefit will first be applied to reduce any overpayment of your claim. 3. The Survivors Benefit will be paid at our option to any one or more of the following: a. Your surviving Spouse; b. Your surviving children through the last day of the month of turning age 26; c. Your child of any age with a developmental disability or physical disability who, prior to age 26, became: i. Incapable of self-sustaining employment; and ii. Is chiefly dependent upon you for support and maintenance; or d. Any person providing the care and support of any of them. 4. If you are not survived by a Spouse or an eligible child, no Survivors Benefit will be paid. LT.SB.01X WAIVER OF PREMIUM Your insurance will continue without payment of premiums while: 1. LTD Benefits are payable; and 2. You are completing the Benefit Waiting Period, provided you are not in pay status. LT.WP.01X BENEFITS AFTER INSURANCE ENDS OR IS CHANGED Your right to receive LTD Benefits for a period of Disability which begins while you are insured will not be affected by: 377661-B - 14 6/29/2022