Important Details Maximum Bene昀椀t Period Evidence of Insurability will be required to re-enroll in any plan If you become disabled at age 61 or earlier, Long Term Disability after opting out of that plan. Please contact your payroll or insurance bene昀椀ts may continue to age 65 or to Social Security bene昀椀ts of昀椀ce for more information regarding the requirements Normal Retirement Age (SSNRA) or 42 months, whichever is that must be satis昀椀ed for your insurance to become effective. longest. If you become disabled at age 62 or older, the bene昀椀t duration is determined by the age when disability begins: De昀椀nition of Disability For the bene昀椀t waiting period and the 昀椀rst 24 months that Long Age Maximum Bene昀椀t Period Term Disability bene昀椀ts are payable, you will be considered disabled if, as a result of physical disease, injury, pregnancy or 61 or To age 65, or to SSNRA, or 3 years 6 months, mental disorder: younger whichever is longest 62 To SSNRA, or 3 years 6 months, whichever is longer • You are unable to perform with reasonable continuity 63 To SSNRA, or 3 years, whichever is longer the material duties of your own occupation 64 To SSNRA, or 2 years 6 months, whichever is longer • You are partially disabled if you are working in your 65 2 years own occupation, but as a result of sickness, injury or 66 1 year, 9 months pregnancy, you are unable to earn more than the own 67 1 year, 6 months occupation income level (80% of indexed predisability 68 1 year, 3 months earnings) 69 or 1 year older You are not considered disabled merely because your right to perform your own occupation is restricted, including a restriction Social Security Normal Retirement Age (SSNRA) means your or loss of license. normal retirement age under the Federal Social Security Act, as amended. During the Any Occupation Period: • After the own occupation period of disability, you will be Exclusions considered disabled if, as a result of a physical disease, Subject to state variations, you are not covered for a disability injury, pregnancy or mental disorder, you are unable to caused or contributed to by any of the following: perform with reasonable continuity the material duties of any • Your committing or attempting to commit an assault or occupation. felony, or your active participation in a violent disorder • You are partially disabled if you are working in an occupation or riot but, as a result of sickness, injury or pregnancy, you are • An intentionally self-in昀氀icted injury, while sane or insane unable to earn more than the any occupation income level • War or any act of war (declared or undeclared, and any (60% of indexed predisability earnings) in that occupation substantial armed con昀氀ict between organized forces of and in all other occupations for which you are reasonably a military nature) suited under the any occupation de昀椀nition of disability. • The loss of your professional or occupational license or certi昀椀cation • A preexisting condition or the medical or surgical treatment of a preexisting condition unless on the date you become disabled, you have been continuously insured for 12 months and you have been actively at work for at least one full day after the end of the 12 months The Standard 5 Group Buy-Up Long Term Disability Insurance