Long Term Disability Summary Plan Description

SECTION 2 - DEFINITIONS (Continued)

"Proof" means the evidence in support of a claim for benefits and includes, but is not limited to, the following: 1. a claim form completed and signed (or otherwise formally submitted) by you claiming benefits; 2. an attending Physician's statement completed and signed (or otherwise formally submitted) by your attending Physician; and 3. the provision by the attending Physician of standard diagnosis, chart notes, lab findings, test results, x-rays and/or other forms of objective medical evidence in support of a claim for benefits. Proof must be submitted in a form or format satisfactory to Liberty. "Regular Attendance" means your personal visits to a Physician which are medically necessary according to generally accepted medical standards to effectively manage and treat your Disability or Partial Disability. "Retirement Benefit under a Retirement Plan" means money which: 1. is payable under a Retirement Plan either in a lump sum or in the form of periodic payments; 2. does not represent contributions made by you (payments which represent your contributions are deemed to be received over your expected remaining life regardless of when such payments are actually received); and 3. is payable upon: a. early or normal retirement; or b. Disability, if the payment does reduce the amount of money which would have been paid under the plan at the normal retirement age.

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Definitions

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