c) The Fractionated Period of Paid Time Off (PTO) for which the employee is eligible, if your Employer has a PTO Plan, as those terms are defined in the policy; d) The entire period of other non-vacation salaried continuation leave for which the employee is eligible; or e) The end of Washington Paid Family and Medical Leave Law for which the employee is receiving benefits. PTO Plan means an arrangement that provides paid time off benefits under a single type of leave for all purposes. Fractionated Period Of Paid Time Off means 50% paid time off available to you under a PTO Plan. Maximum Benefit Period: LTD Benefits: Determined by your age when Disability begins, as follows: Age Maximum Benefit Period 61 or younger .................................. To age 65, or to SSNRA, or 3 years 6 months, whichever is longest. 62 ................................................... To SSNRA, or 3 years 6 months, whichever is longer. 63 ................................................... To SSNRA, or 3 years, whichever is longer. 64 ................................................... To SSNRA, or 2 years 6 months, whichever is longer. 65 ................................................... 2 years 66 ................................................... 1 year 9 months 67 ................................................... 1 year 6 months 68 ................................................... 1 year 3 months 69 or older ...................................... 1 year Social Security Normal Retirement Age (SSNRA) means your normal retirement age under the Federal Social Security Act, as amended. Retirement Supplement Benefit: To the date of your death. The Maximum Benefit Period begins at the end of the Retirement Supplement Deferment Period. Higher Education Retirement Plan Contribution Benefit: Your Maximum Benefit Period for LTD Benefits. DISABILITY PROVISIONS Own Occupation Period: The first 24 months for which LTD Benefits are paid. Any Occupation Period: From the end of the Own Occupation Period to the end of the Maximum Benefit Period. Partial Disability: Covered Own Occupation Income Level: 80% of your Indexed Predisability Earnings. Any Occupation Income Level: 60% of your Indexed Predisability Earnings. See Definition of Disability for more information. DEDUCTIBLE INCOME Social Security Offset: Full offset Salary Continuation Offset: See Deductible Income. 377661-B - 4 - 6/29/2022