Disability Benefits and Requirements LTD Benefit Amount Earnings multiplied by the LTD Benefit Percentage, not to exceed the Maximum LTD Monthly Benefit Amount, minus Benefit Offsets LTD Benefit Percentage 60% See Disability Benefits Provision for More Information. Earnings Earnings means base monthly salary but excludes commissions, bonuses, overtime pay, and any other extra compensation received from the Employer. Earnings are determined as of the date just prior to the Date of Disability. Maximum LTD Monthly Benefit Amount $3,000 before reduction by Benefit Offsets Minimum LTD Monthly Benefit Amount The greater of $100 or 10% of the LTD Monthly Benefit Amount before reduction for Benefit Offsets Elimination Period 90 days Benefit Offsets Direct Family See Benefit Offsets Provision for More Information. Maximum Benefit Period Determined by your age on the Date of Disability: Graded Duration Age at Disability Maximum Benefit Period 61 or younger to age 65 62 3 years 6 months 63 3 years 64 2 years 6 months 65 2 years 66 1 year 9 months 67 1 year 6 months 68 1 year 3 months 69 or older 1 year Own Occupation Period Up to but not exceeding the Maximum Benefit Period Any Occupation Period None Own Occupation Income Level 80% of Indexed Earnings Any Occupation Income Level None Coverage Includes Residual Lay-off or Leave of Absence Period Not to exceed 2 Weeks Back to Table of Contents