Cost Of Living Adjustment (COLA) Benefit After you have been Disabled and have received LTD Monthly Benefits for 12 consecutive months, your LTD Monthly Benefit Amount will receive a Cost of Living Adjustment on each anniversary of the date LTD Monthly Benefits began. Adjustments will end on the earlier of the following: the date the Maximum Benefit Period is satisfied; the date you cease to be Disabled; the date you cease to provide satisfactory proof of ongoing Disability; or the date the number of adjustments made exceed the Maximum Number of Adjustments shown in Section II – Schedule of Insurance. The LTD Monthly Benefit Amount will be adjusted by multiplying it by the COLA Factor shown in Section II – Schedule of Insurance. Back to Table of Contents