Common use of BENEFIT FOR RESIDUAL DISABILITY Clause in Contracts

BENEFIT FOR RESIDUAL DISABILITY. To satisfy the Benefit Waiting Period, you can be either Totally Disabled or Residually Disabled. Once the Benefit Waiting Period has been satisfied, Disability Benefits become payable. The Disability Benefit for Residual Disability will be based on your Loss Of Income, as shown below. If your Loss Of Income divided by your Indexed Predisability Earnings is: • more than 80%, the Disability Benefit will equal the Basic Monthly Benefit. • 20% to 80%, the Disability Benefit will equal a portion of the Basic Monthly Benefit. The amount will be determined each month as follows: your Loss Of Income _ x the Basic Monthly Benefit your Indexed Predisability Earnings • less than 20%, no Disability Benefit is payable. However, for the first twelve months that a Disability Benefit is payable for Residual Disability, we will pay no less than 50% of the Basic Monthly Benefit. If the Indexed Cost Of Living Benefit Rider is part of the policy, we will use the Adjusted Basic Monthly Benefit to calculate the Disability Benefit for Residual Disability. Disability Benefits will no longer be payable for Residual Disability on the date that the first of the following events occurs: • you are no longer Residually Disabled; • your Loss Of Income is no longer solely due to the Injury or Sickness that caused your Disability; • you become Totally Disabled; or • the Maximum Benefit Period ends.

BENEFIT FOR RESIDUAL DISABILITY. To satisfy the Benefit Waiting Period, you can be either Totally Disabled or Residually Disabled. Once the Benefit Waiting Period has been satisfied, Disability Benefits become payable. The Disability Benefit for Residual Disability will be based on your Loss Of Income, as shown below. If your Loss Of Income divided by your Indexed Predisability Earnings is: •  more than 80%, the Disability Benefit will equal the Basic Monthly Benefit. •  20% to 80%, the Disability Benefit will equal a portion of the Basic Monthly Benefit. The amount will be determined each month as follows: your Loss Of Income _ x the Basic Monthly Benefit your Indexed Predisability Earnings •  less than 20%, no Disability Benefit is payable. However, for the first twelve months that a Disability Benefit is payable for Residual Disability, we will pay no less than 50% of the Basic Monthly Benefit. If the Indexed Cost Of Living Benefit Rider is part of the policy, we will use the Adjusted Basic Monthly Benefit to calculate the Disability Benefit for Residual Disability. Disability Benefits will no longer be payable for Residual Disability on the date that the first of the following events occurs: •  you are no longer Residually Disabled; •  your Loss Of Income is no longer solely due to the Injury or Sickness that caused your Disability; •  you become Totally Disabled; or •  the Maximum Benefit Period ends.

BENEFIT FOR RESIDUAL DISABILITY. This rider pays no less than 50 percent of your basic monthly benefit for the first six months that you receive residual disability benefits. After that, the benefit amount depends on the percentage of income lost. To satisfy the Benefit Waiting Period, you can be either Totally Disabled or Residually Disabled. Once the Benefit Waiting Period has been satisfied, Disability Benefits become payable. The Disability Benefit for Residual Disability will be based on your Loss Of Income, as shown below. ICC17-PR203(07/17) Page 1 This rider provides a benefit if you’re residually disabled rather than totally disabled. You can receive benefits for residual disability if you’re working but experiencing a loss of income, along with either a loss of duties or a loss of time, because of a sickness or injury. If your Loss Of Income divided by your Indexed Predisability Earnings is: • more than 80%, the Disability Benefit will equal the Basic Monthly Benefit. • 20% to 80%, the Disability Benefit will equal a portion of the Basic Monthly Benefit. The amount will be determined each month as follows: your Loss Of Income _ x the Basic Monthly Benefit your Indexed Predisability Earnings • less than 20%, no Disability Benefit is payable. However, for the first twelve six months that a Disability Benefit is payable for Residual Disability, we will pay no less than 50% of the Basic Monthly Benefit. If the Indexed Cost Of Living Benefit Rider is part of the policy, we will use the Adjusted Basic Monthly Benefit to calculate the Disability Benefit for Residual Disability. This benefit helps you rebuild your income when you’re back at work in your regular occupation but you’re still not earning your full income. It kicks in when you experience a loss of 20 percent or more of your income because of your injury or sickness. Disability Benefits will no longer be payable for Residual Disability on the date that the first of the following events occurs: • you are no longer Residually Disabled; • your Loss Of Income is no longer solely due to the Injury or Sickness that caused your Disability; • you become Totally Disabled; or • the Maximum Benefit Period ends.

BENEFIT FOR RESIDUAL DISABILITY. To satisfy the The Disability Benefit Waiting Periodfor Residual Disability will be paid when you have a Loss Of Income, you can be and either Totally Disabled a Loss Of Duties or Residually Disabled. Once the Benefit Waiting Period has been satisfieda Loss Of Time, Disability Benefits become payabledue to your Injury or Sickness. The Disability Benefit for Residual Disability will be based on your Loss Of Income, Income and calculated as shown below. follows: If your Loss Of Income divided by your Indexed Predisability Earnings is: • more than 80%, the Disability Benefit will equal the Basic Monthly Benefit. • 20% to 80%, the Disability Benefit will equal a portion of the Basic Monthly Benefit. The amount will be determined each month as follows: your Loss Of Income _ x the Basic Monthly Benefit your Indexed Predisability Earnings • less than 20%, no Disability Benefit is payable. However, for the first twelve six months that a Disability Benefit is payable for Residual Disability, we will pay no less than 50% of the Basic Monthly Benefit. PR203(7/20)CA Page 1 When you can work but can’t perform those duties that make up at least 20% of your work time, this qualifies as a loss of duties. When you can do all of your duties at work but you can’t do them for more than 80% of the time that you previously spent doing them, this qualifies as a loss of time. If the Indexed Cost Of Living Benefit Rider is part of the policy, we will use the Adjusted Basic Monthly Benefit to calculate the Disability Benefit for Residual Disability. This benefit helps you rebuild your income when you’re back at work in your regular occupation but you’re still not earning your full income. It kicks in when you continue to experience a loss of 20% or more of your income because of your injury or sickness. Disability Benefits will no longer be payable for Residual Disability on the date that the first of the following events occurs: • you are no longer Residually Disabled; • your Loss Of Income is no longer solely due to the Injury or Sickness that caused your Disability; • you no longer have either a Loss Of Duties or a Loss Of Time solely due to the Injury or Sickness that caused your Disability; • you become Totally Disabled; or • the Maximum Benefit Period ends.

BENEFIT FOR RESIDUAL DISABILITY. To satisfy the Benefit Waiting Elimination Period, you can be either Totally Disabled or Residually Disabled. Once the Benefit Waiting Elimination Period has been satisfied, Disability Benefits become payable. The Disability Benefit for Residual Disability will be based on your Loss Of Income, as shown below. If your Loss Of Income divided by your Indexed Predisability Earnings is: • more than 80%, the Disability Benefit will equal the Basic Monthly Benefit. • 20% to 80%, the Disability Benefit will equal a portion of the Basic Monthly Benefit. The amount will be determined each month as follows: your Loss Of Income _ x the Basic Monthly Benefit your Indexed Predisability Earnings • less than 20%, no Disability Benefit is payable. However, for the first twelve months that a Disability Benefit is payable for Residual Disability, we will pay no less than 50% of the Basic Monthly Benefit. If the Indexed Cost Of Living Benefit Rider is part of the policy, we will use the Adjusted Basic Monthly Benefit to calculate the Disability Benefit for Residual Disability. Disability Benefits will no longer be payable for Residual Disability on the date that the first of the following events occurs: • you are no longer Residually Disabled; • your Loss Of Income is no longer solely due to the Injury or Sickness that caused your Disability; • you become Totally Disabled; or • the Maximum Benefit Period ends.