The group insurance policy providing coverage under this certificate ...

10. Third Party RecoveryThe amount of recovery you receive for loss of income as a result of claims against athird party by judgment, settlement or otherwise.11. Unemployment Insurance Law or ProgramExceptions to Other Income BenefitsOther Income Benefits will not include:1. group credit or mortgage disability insurance benefits; or2. early retirement benefits not taken into constructive receipt; or3. individual insurance policies.C. Supplemental BenefitsCost of Living Adjustment (COLA)The first increase will take place on the date the 13th Monthly Benefit is payable. Additionalincreases will take effect on each anniversary of the first increase. You must have been continuallyreceiving Monthly Benefits under This Plan. Additional increases are subject to the MaximumBenefit Duration.Your Cost of Living Adjustment amount will be calculated as described in Plan Highlights. The adjustedamount will be added to each Monthly Benefit.Cost of Living Adjustments are not applicable to amounts paid under the Work Incentive provision or anyother supplementary benefits.Survivors BenefitIf you die while you are receiving benefit payments under This Plan, your spouse or unmarriedchildren under age 25 may be eligible for a lump sum Survivors Benefit.The amount of the Survivors Benefit is equal to 3 times the Monthly Benefit before reductions forOther Income Benefits. The amount of Survivors Benefit payable is reduced by any Overpaymentwhich we are entitled to recover.We will pay the Survivors Benefit to your Eligible Survivor, if the following conditions are met:1. you have completed your Elimination Period;2. you are eligible to receive a Monthly Benefit at the time of death;3. you have an Eligible Survivor; and4. proof of your death is provided to us.14