STANDARD FEATURES

• 6,000 maximum monthly benefits
• $50 minimum monthly benefit
• Maternity covered as any other sickness
• Two-year rate guarantee
• Three-month survivor benefit
• Waiver of premium for disabled employees
• Primary and family Social Security offset
• Coverage for partial disabilities

ELIGIBILITY
You are eligible if you work 30 hours a week, satisfy employer's minimum service requirement, and, if participation falls below the plan's requirements, satisfactorily meet our evidence of insurability guidelines.

ALCOHOLISM, DRUG ADDICTION, AND MENTAL, NERVOUS OR EMOTIONAL DISORDERS
These conditions are covered as any sickness for the first 24 months of disability. Benefits may be payable beyond 24 months if you are hospitalized beyond the last day of the 24-month period.

PRE-EXISTING CONDITIONS LIMITATION
We define a pre-existing condition as an injury or sickness for which you incurred charges, received medical treatment, consulted a physician or took prescribed drugs within 12 months before you became insured by this plan.

If a total disability is due to a pre-existing condition and it begins within 24 months of the date you become insured by the plan, no benefits will be paid unless you have not incurred charges, received medical treatment, consulted a physician or took prescribed drugs for this condition, pr any complication of it, for six continuous month while insured. This feature may vary according to state mandates. Check with your employer for details.

ELIMINATION PERIOD
The elimination period is the number of days of continuous, total disability before benefits began under this plan. For a 90-day period or less elimination period, the disability will be considered continuous if the total disability stops at any time during the elimination period for seven days or less. For a 180-day elimination period, the disability will be considered continuous if the total disability stops at any time during the elimination period of 14 days or less.

The number of days during which the total disability stops does not apply toward the number of days required to fulfill the elimination period.

SUCCESSIVE PERIODS OF DISABILITY
Successive periods of disability allows continuation of benefits if the insured returns to work for less than six months ad is again disabled by the same or related causes. A new elimination period does not need to be satisfied. The maximum benefit duration continues to accumulate from the date disability recurs.

MATERNITY BENEFITS
Benefits for disability due to pregnancy or its complications will be paid the same as any other sickness.

COST-OF-LIVING FREEZE
Once United States Life has established a monthly LTD benefit, the monthly benefit will not be reduced further due to subsequent cost-of-living increases from other benefit sources.

SURVIVOR BENEFITS
United States Life will pay your eligible survivors a lump sum benefit equal to three times your monthly benefit if you were disabled for a minimum of 180 days and you were receiving benefits for the disability on the date of death.

DEFINITIONS
Basic Monthly Earnings

• Basic monthly earnings means the regular monthly rate of pay you receive from your employer on the day before total disability begins. Basic monthly pay includes commissions. Basic monthly pay excludes bonuses, overtime pay, or other extra compensation.

Total Disability

• Total disability means you are completely unable to perform the duties of your regular occupation.
• After two years, total disability means you are completely unable to perform the duties of any gainful occupation for which you are reasonably fit by training, education or experience.
• Regular occupation is defined as the occupation you were performing the day before total disability began.
• The total disability must be as a result of an injury or sickness, and you must be under the care of a physician.

Partial Disability

• Partial disability means you are able to perform at least one of your duties of your regular occupation or another occupation on a part-time basis, or can perform at least one, but not all, of these duties on a full-time basis. Regular occupation is defined as the occupation you were performing the day before total disability began. In order to be considered partially disabled, you must be totally disabled during the plan's elimination period.
• The partial disability benefit is the monthly benefit payable during total disability less the wages earned while partially disabled.

DEDUCTIONS FROM OTHER SOURCES
Your monthly benefit will be reduced I you receive income from the following other sources:

• Self-employment or other employment
• An employer-sponsored disability plan
• An employer-sponsored retirement plan
• A retirement plan sponsored by a government agency, including Veteran's Administration
• Social Security, the Railroad Retirement Act, Canada Pension Plan, or the Quebec Pension Plan or any similar program
• Worker's compensation
• An employer benefit plan that provides disability benefits, if such benefits do not reduce the employee's life insurance amount

WAIVER OF PREMIUM
No premium is required for employees while they are receiving disability benefits under this plan

GROUP VOLUNTARY DISABILITY EXCLUSIONS
This plan will not pay benefits for disabilities resulting from:

• Intentionally self-inflicted injury
• A war or an act of war
• Committing a crime or attempting to do so

BENEFIT DURATION
Age 65

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