3. Compare the answer from Item 1 with the maximum monthly benefit. The lesser of these two amounts is your gross disability payment . 4. Subtract from your gross disability payment any deductible sources of income . The amount figured in Item 4 is your monthly payment . Your monthly payment may be reduced based on your disability earnings. If, at any time after the elimination period, you are disabled for less than 1 month, we will send you 1/30 of your monthly payment for each day of disability and 1/30 of any additional benefits for each day of disability. WILL UNUM EVER PAY MORE THAN 100% OF MONTHLY EARNINGS? The total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 100% of your monthly earnings. However, if you are participating in Unum's Rehabilitation and Return to Work Assistance program, the total benefit payable to you on a monthly basis (including all benefits provided under this plan) will not exceed 110% of your monthly earnings. WHAT ARE YOUR MONTHLY EARNINGS? "Monthly Earnings" means your gross monthly income from your Employer, not including shift differential, in effect just prior to your date of disability. It includes your total income before taxes. It is prior to any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It includes income actually received from bonuses and commissions but does not include overtime pay or any other extra compensation, or income received from sources other than your Employer. Bonuses and commissions will be averaged for the lesser of: a. the prior calendar year's 12 month period of your employment with your Employer just prior to the date disability begins; or b. the period of actual employment with your Employer. WHAT WILL WE USE FOR MONTHLY EARNINGS IF YOU BECOME DISABLED DURING A COVERED LEAVE OF ABSENCE? If you become disabled while you are on a covered leave of absence, we will use your monthly earnings from your Employer in effect just prior to the date your absence begins. HOW MUCH WILL UNUM PAY YOU IF YOU ARE DISABLED AND WORKING? We will send you the monthly payment if you are disabled and your monthly disability earnings , if any, are less than 20% of your indexed monthly earnings, due to the same sickness or injury. If you are disabled and your monthly disability earnings are from 20% through 80% of your indexed monthly earnings, due to the same sickness or injury, Unum will figure your payment as follows:
LTD-BEN-2 (1/1/2025)
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