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SUNNYISLES 1703779 City of Sunny Isles Beach SPECIFIED INJURIES OR SICKNESSES LIMITATION: Benefits for disability due to certain disorders will be 40 imited to 24 months. The following conditions contain this limitation: Plan Mental Disorders Substance Abuse Environmental Sicknesses (e.g. sick building syndrome) Musculoskeletal or Connective Tissue Disorders Premier Plan Value Plan 24 Month Limitation 24 Month Limitation 24 Month Limitation 24 Month Limitation Maximum Benefit Duration 24 Month Limitation Maximum Benefit Duration 24 Month Limitation If the claimant is confined to a hospital or other appropriate treatment facility at the end of the first 24 months of receiving total and /or partial disability benefits for one of these conditions, the monthly benefit will continue to be paid until discharge. The monthly benefit will not be payable beyond the policy's Maximum Benefit Period. PRIOR INSURANCE CREDIT UPON TRANSFER OF INSURANCE CARRIERS: Option 1.00 To prevent loss of coverage for an employee because of a transfer of insurance carriers, this policy will provide prior insurance credit for employees insured under the prior carriers' policy on its termination date as follows: Disability Due To A Pre - Existing Condition: Benefits may be payable for a disability due to a pre- existing condition for an employee who: 1. was insured by the prior carrier at the time of transfer; and 2. was actively -at -work and insured under this policy on its effective date. Whe level of benefits will be the lesser of as follows: 1. If the employee is eligible for benefits under this policy, such employee will be paid according to this policy's benefit schedule. 2. If the employee is not eligible for benefits under this policy, such employee will be paid according to the prior carrier's benefit schedule, if eligible for benefits under that plan; or 3. If the employee is not eligible for benefits under this policy or the prior carrier's plan, no benefit will be paid. Failure To Be Active -At -Work Due To Injury Or Sickness: Subject to premium payments, the policy will provide coverage to any employee: 1. who was insured by the carrier's policy at the time of transfer; and 2. who was not actively -at -work due to injury or sickness on the policy's effective date. The coverage will be that provided by the prior carrier's policy, had it remained inforce. The Company will pay: 1. the benefit that the prior carrier would have paid; minus 2. any amount for which the prior carrier is liable. EXCLUSIONS: Disabilities which arise from intentionally self - inflicted injuries, war or participation in a riot, committing a felony, any type of assault or battery or during which the employee is not under the regular care of a Physician, or is incarcerated, are excluded from coverage. n LJ Jefferson Pilot Financial Insurance Company FL 23 11/02/01