Long Term Disability Insurance

Schedule of Benefits - Plan B

Description                   See Eligibility
Employee Contributions        Non-Contributory
Participation Requirement     100%

Schedule Amount               60% of covered earnings
Maximum Benefit/month         $6000.00
Qualifying Period             180 day(s)
Duration of Benefit           Social Security Normal Retirement Age (SSNRA)

Benefit Integration           Full Family Direct Offset
Dual Definition of Disability
    Occupation/Earnings Test  36 Months/80%/Indexed
Pre-Existing Limits
    At Issue                  6/6/24
    New Entrants              6/6/24

Alcoholism                    SSNRA if continuously institutionalized, or 2 years

Survivor Benefit              3 months