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PARTIAL DISABILITY MONTHLY BENEFIT BENEFIT. The Company will pay a Partial Disability Monthly BenefIt to an Insured Employee, after completion of the Elimination 'eriod; if he or she: 1. is Disabled; 2, is engaged in Partial Disability Employment; 3. is earning at least 20% of Pre disability Income when Partial Disability Employment begins; 4. is under the regular care of a Physician; and 5, at his or her own expense, submits proof of continued Partial Disability, Physician's care and reduced earnings to the Company upon request. The Insured Employee does not have to be Totally Disabled prior to receiving Partial Disability Monthly BenefIts. The Elimination Period may be satisfIed by days of Total Disability, Partial Disability or any combination thereof. The Partial Disability Monthly BenefIt will cease on the earliest of: 1. the date the Insured Employee ceases to be Partially Disabled or dies; 2. the date the Maximum Benefit Period ends; 3. the date the Insured Employee earns more than: (a) 99% of Pre disability Income, until Partial Disability Monthly BenefIts have been paid for 24 months for the same period of Disability; or (b) 85% of Predisability Income, after Partial Disability Monthly BenefIts have been paid for 24 months for the same period of Disability; * 4, the date the Insured Employee is able, but chooses not to work full-time: (a) in his or her regular occupation, during the Own Occupation Period; or (b) in any gainful occupation, after the Own Occupation Period; 5. the date the Insured Employee fails to take a required medical exam, without good cause; or 6. the 60th day after the Company mails a request for additional proof, if not given. *If the Insured Employee's earnings from Partial Disability Employment fluctuate, the Company has the option to average the most recent three months' earnings and continue the claim; provided that average does not exceed the percentage of Predisability Income clllowed above. A Monthly BenefIt will not be payable for any month during which earnings exceeded that percentage, however. DEFINITIONS "Full-Time" means the average number of hours the Insured Employee was regularly scheduled to work, at his or her regular occupation, during the month just prior to: 1. the date the Elimination Period begins; or 2. the date an approved leave of absence begins, if the Elimination Period begins while the Insured Employee is continuing coverage during a leave of absence. "Partially Disabled" or "Partial Disability" will be defmed as follows. 1. During the Elimination Period and Own Occupation Period, it means that due to an Injury or Sickness the Insured Employee: (a) is unable to perform one or more of the main duties of his or her regular occupation, or is unable to perform such duties full-time; and (b) is engaged in Partial Disability Employment. 2. After the Own Occupation Period, it means that due to an Injury or Sickness the Insured Employee: (a) is unable to perform one or more of the main duties of any gainful occupation which his or her training, education or experience will reasonably allow; or is unable to perform such duties full- time; and (b) is engaged in Partial Disability Employment. GL3001-LID-13A 98 20 Residual Disability, Any Occ. Disability Definition 01/01101