Long Term Disability Summary Plan Description

SECTION 4 - DISABILITY INCOME BENEFITS (Continued)

LONG TERM DISABILITY COVERAGE (Continued) When will Your Long Term Disability Benefits be Discontinued? (Continued) The Monthly Benefit will cease on the earliest of: (Continued) 3. the date you refuse to be examined or evaluated at reasonable intervals; 4. the date you refuse to receive Appropriate Available Treatment; 5. the date you refuse a job with the Sponsor where workplace modifications or accommodations were made to allow you to perform the Material and Substantial Duties of the job; 6. the date you are able to work in your Own Occupation on a part-time basis, but choose not to; 7. the date your current Partial Disability earnings exceed 80.00% of your Indexed Basic Monthly Earnings; Because your current earnings may fluctuate, Liberty will average earnings over three consecutive months rather than immediately terminating your benefit once 80.00% of Indexed Basic Monthly Earnings has been exceeded. 8. the date you are no longer Disabled according to this plan; 9. the end of the Maximum Benefit Period; or 10. the date you die.

ADOC-LTD-28

Long Term Disability

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