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SUNNYISLES <br />1703779 <br />City of Sunny Isles Beach <br />40 HOUR WORK WEEK - The Value Plan's definition of full -time employment provides that a claimant is <br />Wonsidered to have returned to work full time, if he /she is able to work 40 hours per week, regardless of the <br />number of hours worked per week prior to the disability. <br />ZERO DAY RESIDUAL: The elimination period can be satisfied by either days of total and /or partial disability <br />and requires no loss of earnings. <br />1 31%/$247,332 <br />• <br />Jefferson Pilot Financial Insurance Company <br />15 11102/01 <br />