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SUNNYISLES 1703779 City of Sunny Isles Beach TOTAL DISABILITY *or the Premier Plan, Total Disability means that, due to an injury or sickness, an employee is unable: 1. During the ELIMINATION PERIOD and the "OWN OCCUPATION" Period, to perform each of the material and substantial duties of his or her own occupation; and 2. After the "OWN OCCUPATION" Period, to perform each of the material and substantial duties of any occupation which his or her training, education or experience will reasonably allow. The loss of a professional license, an occupational license or certification or a driver's license for any reason does not, by itself, constitute total disability. For the Value Plan, Total Disability means that, due to an injury or sickness, an employee is unable: 1. During the ELIMINATION PERIOD and the "OWN OCCUPATION" Period, to perform each of the material and substantial duties of his or her own occupation; and 2. After the "OWN OCCUPATION" Period, to perform each of the substantial and material duties of any gainful occupation. A gainful occupation is any occupation in which the employee: a) is or reasonably could become qualified, considering his /her education, training, experience, physical and mental abilities; b) could reasonably find employment, considering the demands of the national labor force; and c) could earn, or reasonably expect to earn, a before tax income of at least 60% of his /her predisability income within 12 months of returning to work. The loss of a professional license, an occupational license or certification or a driver's license for any reason does not, by itself, constitute total disability. aA p" WN OCCUPATION PERIOD: To Age 65/24 Months (Option 1.00) period beginning at the end of the elimination period and ending: 1. at the end of the maximum benefit period for an employee who is an executive or administrator; or 2. 24 months later for all other employees. The loss of a professional license, an occupational license or certification, or a driver's license does not, by itself, constitute total disability. MONTHLY TOTAL DISABILITY BENEFIT: After the Elimination Period is satisfied, the LTD policy provides a monthly benefit for an employee who is totally disabled and under a physician's regular care. This monthly total disability benefit equals: - the benefit percentage times the insured's predisability income, up to the maximum monthly benefit; - minus other income benefits. This benefit amount will not be less than the minimum monthly benefit. The policy also provides a monthly benefit for an employee who is partially disabled, under a physician's regular care, and sustaining a specified percentage of lost earnings. See the Partial Disability Benefit section of this proposal. RECURRENT DISABILITY means a disability which is related to or due to the same cause or causes of a prior disability for which a monthly benefit was payable. A recurrent disability: - will be treated as part of the prior disability if, after receiving policy benefits, the employee returns to his or her regular occupation full -time for less than 6 months. will be treated as a new period of disability if, after receiving policy benefits, an employee returns to his or her regular occupation full -time for 6 months or more. A new elimination period must be completed before benefits become payable. Jefferson Pilot Financial Insurance Company FL 17 11/02/01