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Predisability Earnings"Predisability Earnings" means the amount of your gross salary or wages from your Employer as ofthe day before your Disability began. This is calculated on a monthly basis."Predisability Earnings" includes any housing, utility, travel, book or Social Security allowance paidto an employee. Where housing is provided, “Predisability Earnings” shall also include an amountequal to 40% of the gross salary or wages. Gross salary or wages excludes allowances paid to anemployee.This may include contributions you make through a salary reduction agreement with your Employerto any of the following:1. an Internal Revenue Code (IRC) Section 401(k), 403(b) or 457 deferred compensationarrangement;2. an executive nonqualified deferred compensation arrangement; and3. amounts contributed to your fringe benefits according to a salary reduction agreement under anIRC Section 125 plan.Predisability Earnings do not include:1. awards, commissions and/or bonuses;2. overtime pay;3. your Employer's contributions on your behalf to any deferred compensation arrangement orpension plan; or4. any other compensation.If you do not have regular work hours, your Predisability Earnings are based on the average number ofhours you worked per month during the preceding 12 calendar months (or during your period of employmentif less than 12 months). In no event will the number of hours be more than 173 hours.Indexed Predisability EarningsIndexed Predisability Earnings means your Predisability Earnings increased by 7%.The first increase will take place on the date the 13th Monthly Benefit is payable. Subsequent increases willtake effect on each anniversary of the first increase. You must have been continually receiving MonthlyBenefits under This Plan.B. Reduction of Benefits - Other Income BenefitsYour Monthly Benefit is reduced by Other Income Benefits shown below. The Monthly Benefitpayable to you:1. will not be less than the amount shown in Plan Highlights under Minimum Monthly Benefit(except in the case of an Overpayment or while receiving work earnings);2. will not be further reduced due to cost-of-living increases payable under Other Income Benefits after thecorrect reduction has been determined;10
3. will not be reduced by any reasonable attorney fees included in any award or settlement; and4. will not be reduced by any sources other than those shown below.If you receive Other Income Benefits in a lump sum instead of in monthly payments, you must provide tous satisfactory proof of the breakdown of: (i) the amount attributable to lost income; and (ii) the timeperiod for which the lump sum is applicable. If you do not provide this information to us, we may reduceyour Monthly Benefit by an amount equal to the Monthly Benefit otherwise payable. We will reduce theMonthly Benefit each month until the lump sum has been exhausted. However, if we are given proof ofthe time period and amount attributable to lost income, we will make a retroactive adjustment.List of Sources of Other Income Benefits1. Federal Social Security Act, Railroad Retirement Act, Canada Pension Plan, or anyprovincial pension or disability plan, or the Canada Old Age Security Acta. benefits that you receive, are entitled to receive or would have been eligible toreceive upon making timely application because of your disability or retirement will becounted; andb. benefits available with respect to your spouse and dependents (regardless of marital status ortheir place of residence) because of your disability or retirement will be counted. If you aredivorced or legally separated, benefits paid directly to your dependents and not taken intoconstructive receipt by you will not be counted.Estimating Social Security BenefitsWe reserve the right to reduce your Monthly Benefit by estimating the Social Securitydisability benefits you may be eligible to receive.Your Monthly Benefit will not be reduced by estimated Social Security disability benefitsduring the first 24 months of Monthly Benefit payments if, prior to the end of the 6 monthperiod following the date you became disabled:1. you provide proof that you have applied for Social Security disability benefits;2. you have signed the Reimbursement Agreement which confirms that you will repay allOverpayments; and3. you have signed the form authorizing the Social Security Administration to releaseinformation on awards directly to us.If you have not received approval or final denial of your claim from the Social SecurityAdministration by the end of this 24 month period, we will begin reducing your Monthly Benefit byan estimate of Social Security disability benefits. For purposes of this section, final denial of yourclaim means that you have received a “Notice of Denial of Benefits” from an Administrative LawJudge.In any case, when you do receive approval or final denial of your claim from the Social SecurityAdministration:1. your Monthly Benefit will be adjusted; and11
Page 1: Metropolitan Life Insurance Company
Page 4 and 5: Arkansas residents please be advise
Page 6 and 7: Georgia residents please be advised
Page 8 and 9: LIMITS ON AMOUNT OF COVERAGECaps ar
Page 10 and 11: Wisconsin residents please be advis
Page 13: PLAN HIGHLIGHTSThis Plan Highlights
Page 16 and 17: LimitationsLimitation for Pre-exist
Page 18 and 19: Continuity of Coverage upon Replace
Page 20 and 21: "Appropriate Care and Treatment" me
Page 24 and 25: 2. you must promptly refund to us a
Page 26 and 27: 10. Third Party RecoveryThe amount
Page 28 and 29: A Pre-existing Condition is an inju
Page 30 and 31: 2. If your coverage ends because yo
Page 32 and 33: Method of PaymentWhen we determine
Page 34: "THIS IS THE END OF THE CERTIFICATE
Page 37 and 38: c. your Employer submitting updated
Page 39: There is no additional cost to you
Page 42 and 43: Other reasons we may disclose what
Page 44: DISCLOSURE:Vermont law grants parti

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