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SUNNYISLES 1703779 City of Sunny Isles Beach BACK ON TRACK® PARTIAL DISABILITY BENEFIT - Residual with Progressive (Option 1.00) *An employee may qualify for a partial disability benefit if he or she is partially disabled, is earning at least 20% of his or her predisability income, and is under the regular care of a physician. During the first 24 months of Partial Disability Benefit payments, an earnings test will not be applied until the employee's earnings reach 99% of his or her predisability income. After 24 months, the employee must earn at least 85% (60% for the Value Plan) of predisability earnings before the earnings test is applied. • Partially Disabled for the Premier Plan will be defined 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 substantial and material 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 substantial and material 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. Partially Disabled for the Value Plan will be defined 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 substantial and material 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 substantial and material duties of any gainful occupation, or is unable to perform such duties full -time; and b) is engaged in Partial Disability Employment. The Partial Disability Monthly Benefit will cease on the earliest of: 1. the date the employee ceases to be Partially Disabled or dies; 2. the date the Maximum Benefit Period ends; 3. the date the employee earns more than 99% of predisability income, until partial disability benefits have been paid for 24 months; 4. the date the employee's current earnings exceed 85% (60% for the Value Plan) of the predisability income, after partial disability benefits have been paid for 24 months; 5. the date the employee is able, but chooses not to work full -time: a) in his or her regular occupation, during the Own Occupation Period; b) in any gainful occupation, after the Own Occupation Period; 6. the date the employee fails to take a required medical exam, without good cause; or 7. the 60' day after the Company mails a request for additional proof, if not given. Jefferson Pilot Financial Insurance Company 18 11/02/01