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SUNNYISLES 1703779 City of Sunny Isles Beach VOCATIONAL REHABILITATION BENEFIT • Premier Plan - VOLUNTARY Value Plan - MANDATORY With the assistance of vocational rehabilitation programs that focus on job modifications, job placement and retraining, many disabled employees can return to productive employment. Services such as these are available to employees unable to perform their regular occupation, and who do not currently have the skills to return to work at another occupation. These employees must have the physical and mental capability for the successful completion of a rehabilitation program. In addition, there must be reasonable expectation that these services will assist the employee in returning to work. If the employee is eligible for rehabilitation services, a written program will be developed with input from the employee, physician and employer outlining the goals, responsibilities, services, and all applicable costs of the program. Rehabilitation efforts only take place if the patient's physician endorses the program. Consideration for participation in such a program can be proposed by the employee, attending physician or Jefferson Pilot Financial. In the Premier Plan contract, participation in a vocational rehabilitation program is recommended, but not required. If a claimant elects to participate, LTD benefits will be reduced if the claimant, without good cause, fails to complete or follow the program. In the Value Plan contract, participation in a vocational rehabilitation program is required for claimants who qualify. If a qualified claimant refuses to participate without good cause, LTD benefits will be reduced. "Good Cause" means that an employee will not be required to participate if physical or mental impairments Would prevent rehabilitation, or if the rehabilitation program would interfere with any medical program in which he or she is currently participating. PRE - EXISTING CONDITION EXCLUSION: 3/12 (Option 1.00) The policy will not cover any total or partial disability which: 1. is contributed to, caused by or results from a pre- existing condition; and 2. begins in the first 12 months after the employee's effective date of coverage under the employer's long term disability plan. A pre- existing condition is a sickness or injury: - for which medical advice, diagnosis, care or treatment was recommended or received during the 3 months prior to his or her effective date. It also means a pregnancy existing on the effective date. "Treatment" means consultation, care or services provided by a physician, including diagnostic measures and the prescription and /or taking of drugs and medicines. Jefferson Pilot Financial Insurance Company 22 11/02/01