Table of Contents (download LTD Booklet) Insuring Clause Schedule of Insurance Eligibility Covered Person Eligibility Waiting Period Evidence of Insurability Requirements Disability Benefits and Requirements Other Benefits Exclusions Limitations Defined Terms List of Defined Terms Definition of Disability Benefit Provisions LTD Monthly Benefit Amount When LTD Monthly Benefits Begin Minimum LTD Monthly Benefit Amount When LTD Monthly Benefits End Benefits After Coverage Ends or Is Changed Elimination Period Benefit Period Temporary Return to Active Work Benefit Offsets Exceptions to Benefit Offsets Rules for Benefit Offsets Cost of Living Adjustment (COLA) Benefit Survivor Benefit Reasonable Accommodation Expense Benefit Waiver of Premium Conversion of Coverage Exclusions and Limitations Exclusions Limitations Coverage Provisions Active Work Provisions When Coverage Becomes Effective Coverage Subject to Evidence of Insurability When Coverage Ends Reinstatement of Coverage Replacement of Prior Plans Claim Provisions General Claim Provisions

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