Table of Contents COVERAGE OUTLINE .................................................................................................. 1 GENERAL POLICY INFORMATION ...................................................................... 1 BECOMING INSURED ...................................................................................... 1 SCHEDULE OF INSURANCE .............................................................................. 2 DISABILITY PROVISIONS ................................................................................... 4 DEDUCTIBLE INCOME ..................................................................................... 4 OTHER PROVISIONS ......................................................................................... 5 PREMIUM CONTRIBUTIONS ............................................................................. 5 CLAUSE ...................................................................................................... 6 INSURING DEFINITION OF DISABILITY ......................................................................................... 6 RETURN TO WORK INCENTIVE .................................................................................... 6 REASONABLE ACCOMMODATION EXPENSE BENEFIT ................................................ 7 REHABILITATION PLAN PROVISION ............................................................................ 7 TEMPORARY RECOVERY ............................................................................................ 7 WHEN LTD BENEFITS END ......................................................................................... 8 PREDISABILITY EARNINGS ......................................................................................... 8 DEDUCTIBLE INCOME ................................................................................................ 9 EXCEPTIONS TO DEDUCTIBLE INCOME ................................................................... 10 RULES FOR DEDUCTIBLE INCOME .......................................................................... 11 RETIREMENT PLAN OFFSET (RPO) ............................................................................ 11 COST OF LIVING ADJUSTMENT BENEFIT ................................................................. 13 HIGHER EDUCATION RETIREMENT CONTRIBUTIONS BENEFIT (PLAN D) ................. 13 SURVIVORS BENEFIT ............................................................................................... 14 WAIVER OF PREMIUM .............................................................................................. 14 CHANGED .............................................. 14 BENEFITS AFTER INSURANCE ENDS OR IS EFFECT OF NEW DISABILITY .................................................................................... 15 EXCLUSIONS ............................................................................................................ 15 LIMITATIONS............................................................................................................. 16 CLAIMS ..................................................................................................................... 17 TIME LIMITS ON LEGAL ACTIONS ............................................................................. 18 PROVISIONS ............................................................................... 18 INCONTESTABILITY COVERAGE ...................................................................................... 19 CONTINUITY OF WHEN YOUR INSURANCE BECOMES EFFECTIVE ..................................................... 19 ACTIVE WORK PROVISIONS ...................................................................................... 20 WHEN YOUR INSURANCE ENDS ............................................................................... 21 REINSTATEMENT OF INSURANCE ............................................................................. 21 DEFINITIONS ............................................................................................................ 23