SECTION 4 - INSURANCE BENEFITS (Continued)
WAIVER OF PREMIUM FOR TOTAL DISABILITY
If you become Totally Disabled while insured under this plan you may be eligible for continued Life Insurance coverage without premium payment, provided that: 1. you become Totally Disabled while insured under this plan and before age 60; 2. within one year from the date you are no longer in Active Employment Lincoln receives initial Proof that your Total Disability has continued for 6 months (initial Proof); and 3. during the three months before each anniversary of receipt of initial Proof, Lincoln receives Proof of continuation of Total Disability. In addition, Lincoln, at its own expense, may request you to be examined by a Physician chosen by Lincoln. After the benefit has been continued for two years under this provision, Lincoln will not require an examination more than once a year. When Proof of Total Disability has been approved, premiums will be waived beginning the later of: 1. the date Lincoln gives approval; or 2. 6 months from the date you are no longer in Active Employment due to Total Disability. Accidental Death and Dismemberment and Dependent coverage will not be continued during your period of Total Disability. The Life Insurance benefit continued under this provision will be the amount in force on your life under this plan on the date you are no longer in Active Employment due to Total Disability, subject to any reductions provided by any part of this plan. The amount continued will not include any part of your Life Insurance that you converted to an individual policy unless you are Totally Disabled when you applied to convert and you return the converted policy to Lincoln without claim other than for a refund of the premiums. If the Waiver of Premium provision has been denied, you may convert your Life Insurance benefit as provided in the Conversion Privilege. Your continued Life Insurance coverage under this provision will end on the earliest of the date when: 1. you recover and cease to be Totally Disabled; 2. you return to Active Employment; 3. you refuse to have an examination by a Physician chosen by Lincoln or fail to give satisfactory Proof of continuation of Total Disability; 4. 90 Days after the date Lincoln mails you a request for additional Proof of loss, Lincoln does not receive such Proof; 5. you reach age 65; 6. the date you begin receiving a benefit from a retirement or pension plan; or 7. the date the Sponsor classifies you as retired.
GLC-WOP-1
Waiver of Premium
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