2. Your Work Earnings, as described in the Return To Work Incentive. 3. Any amount you receive or are eligible to receive because of your disability under any workers' compensation law or similar law, including amounts for partial or total disability, whether permanent, temporary, or vocational. 4. Any amount you, your Spouse, or your children under age 18 receive or are eligible to receive because of your disability or retirement under: a. The Federal Social Security Act; b. The Canada Pension Plan; c. The Quebec Pension Plan; or d. Any similar plan or act. Both the primary benefit (the benefit awarded to you) and dependents benefits are Deductible Income. Benefits your Spouse or children receive or are eligible to receive because of your disability are Deductible Income regardless of marital status, custody, or place of residence. 5. Any amount you receive or are eligible to receive because of your disability under any state disability income benefit law or similar law. 6. Amounts you receive or are eligible to receive because of your disability under any other group disability insurance coverage, as determined below: a. Determine the amount of your LTD Benefit as if there were no Deductible Income, and add your group disability insurance benefits to that amount. b. Determine 60% of the first $10,000 of your total monthly earnings from all employment plus 40% of the remainder of your total monthly earnings from all employment. c. If a. is greater than b., the difference will be Deductible Income. 7. Your Deductible Income from your Employer's retirement plan, as described in the Retirement Plan Offset (RPO) section. 8. Any amount you receive by compromise, settlement, or other method as a result of a claim for any of the above, whether disputed or undisputed. 9. Any long term disability benefits paid to you under the SEBB Policy issued by us. LT.DI.02X EXCEPTIONS TO DEDUCTIBLE INCOME Deductible Income does not include: 1. Any cost of living increase in any Deductible Income other than Work Earnings, if the increase becomes effective while you are Disabled and while you are eligible for the Deductible Income. 2. Reimbursement for hospital, medical, or surgical expense. 3. Reasonable attorneys fees incurred in connection with a claim for Deductible Income. 4. Benefits from any individual disability insurance policy. 5. Early retirement benefits under the Federal Social Security Act which are not actually received. 6. Group credit or mortgage disability insurance benefits. 7. Accelerated benefits paid under a life insurance policy. 8. Benefits from a through h below: a. Profit sharing plan. 377661-B - 10 6/29/2022