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TOTAL DISABILITY MONTHLY BENEFIT �ENEFIT. The Company will pay a Total Disability Monthly Benefit to an Insured Employee, after the completion of the limination Period; if he or she: 1. is Totally Disabled; 2. is under the regular care of a Physician; and 3. at his or her own expense, submits proof of continued Total Disability and Physician's care to the Company upon request. The Total Disability Monthly Benefit will cease on the earliest of: 1. the date the Insured Employee ceases to be Totally Disabled or dies; 2. the date the Maximum Benefit Period ends; 3. the date the Insured Employee is able, but chooses not to engage in Partial Disability Employment: (a) in his or her regular occupation, during the Own Occupation Period; or (b) in any gainful occupation, after the Own Occupation Period; 4. the date the Insured Employee fails to take a required medical exam, without good cause; or 5. the 60th day after the Company mails a request for additional proof, if not given. AMOUNT. The amount of the Total Disability Monthly Benefit equals: 1. the Insured Employee's Basic Monthly Earnings multiplied by the Benefit Percentage (limited to the Maximum Monthly Benefit); minus 2. Other Income Benefits. The amount of the Total Disability Monthly Benefit will not be less than the Minimum Monthly Benefit. The Benefit Percentage, Maximum Monthly Benefit, Minimum Monthly Benefit and Maximum Benefit Period are shown in the Schedule of Benefits. DEFINITION Total Disability" or "Totally Disabled" 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 is unable to perform each of the substantial and material duties of his or her own occupation. 2. After the Own Occupation Period, it means that due to an Injury or Sickness the Insured Employee is unable to perform each of the main duties of any gainful 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. BENEFIT PERIOD EXTENSION. The Maximum Benefit Period is shown in the Schedule of Benefits. However, benefits will be extended beyond the end of the Maximum Benefit Period if a Totally Disabled Employee attains the age specified in the benefit duration and has not received twelve Monthly Benefit payments. In this event, the benefit period will be extended during the continuance of Total Disability until twelve monthly payments have been paid. • G L3001 -LTD-1 2A 98 FL Standard Integration, Any Occ. Disability Definition 19 01/01/01