Preexisting Condition Provision A preexisting condition is a mental or physical condition whether • You fail to provide proof of continued disability and or not diagnosed or misdiagnosed during the 90-day period just entitlement to bene昀椀ts before your Long Term Disability insurance becomes effective: • You pass away • For which you have consulted a physician or other licensed medical professional; received medical Deductible Income treatment, services or advice; undergone diagnostic Your bene昀椀ts will be reduced if you have deductible income, procedures, including self-administered procedures; or which is income you receive or are eligible to receive while taken prescribed drugs or medications receiving Long Term Disability insurance bene昀椀ts. Deductible income includes: • Which, as a result of any medical examination, including routine examination, was discovered or suspected • If your employer does not have a PTO plan, any sick pay, shared leave, annual or personal leave pay, A separate preexisting condition exclusion applies to the 60% severance pay, or non-vacation salary continuation, and 50% plans of employee-paid insurance. However, if you including donated amounts. If your employer has a PTO increase your plan selection from the employer-paid plan to the plan, your Fractionated Period Of Paid Time Off. 50% plan, or the 50% plan to the 60% plan, and LTD bene昀椀ts • Bene昀椀ts under any workers’ compensation law or are not payable under the new plan because of the preexisting similar law condition exclusion, your claim will be administered as if you had • Amounts under unemployment compensation law not changed plans. • Social Security disability or retirement bene昀椀ts Limitations • Amounts because of your disability from any other Long Term Disability insurance bene昀椀ts are not payable for any group insurance period when you are: • Any disability or retirement bene昀椀ts you receive under your employer’s retirement plan, including a public • Not under the ongoing care of a physician in the employee retirement system, and a plan arranged and appropriate specialty, as determined by The Standard maintained by a union or employee association for the • Not participating in good faith in a plan, program or bene昀椀t of its members course of medical treatment or vocational training or • You are not required to apply for disability or early education approved by The Standard, unless your retirement bene昀椀ts under your employer’s retirement disability prevents you from participating • Con昀椀ned for any reason in a penal or correctional plan if the receipt of such bene昀椀t would reduce the institution bene昀椀t you would be eligible to receive at normal • Able to work during the own occupation or any retirement age. However, disability or early retirement occupation periods and earn at least 20% of your bene昀椀ts you do receive will be deductible income. indexed predisability earnings, but you elect not to work • If the receipt of such bene昀椀t would not reduce the bene昀椀t you would be eligible to receive at normal In addition, the length of time you can receive Long Term retirement age, then disability or early retirement Disability insurance payments will be limited if: bene昀椀ts you receive or are eligible to receive will be deductible income. • You reside outside of the United States or Canada • Bene昀椀ts under any state disability income bene昀椀ts law • Your disability is caused or contributed to by mental or similar law disorders • Earnings from work activity while you are disabled, plus the earnings you could receive if you work as much as When Your Bene昀椀ts End your disability allows Your Long Term Disability insurance bene昀椀ts end automatically • Earnings or compensation included in your predisability on the date any of the following occur: earnings which you receive or are eligible to receive while Long Term Disability insurance bene昀椀ts are • You are no longer disabled payable • Your maximum bene昀椀t period ends • Amounts due from or on behalf of a third party because • Bene昀椀ts become payable under any other disability of your disability, whether by judgment, settlement or insurance plan under which you become insured other method through employment during a period of temporary • Any amount you receive by compromise, settlement or recovery other method as a result of a claim for any of the above Continued on next column The Standard 6 Group Buy-Up Long Term Disability Insurance