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OTHER INCOME BENEFITS �THER INCOME BENEFITS means those benefits shown below: 1. Any temporary or permanent benefits or awards for which the Insured Employee is paid under: (a) Worker's or Workmen's Compensation Law; (b) occupational disease law; or (c) any other act or law of like intent. 2. Any disability income benefits which the Insured Employee receives under any compulsory benefit act or law. 3. Any disability income benefits which the Insured Employee receives under: (a) any other group plan, sick leave or salary continuance plan of the Employer; or (b) any governmental retirement system as a result of the Insured Employee's job with the Employer. 4. Any Disability Benefits or Retirement Benefits the Insured Employee receives under a Retirement Plan. 5. Benefits under the United States Social Security Act, the Canada Pension Plan, the Quebec Pension Plan or any similar plan or act as follows: (a) disability or unreduced retirement benefits which the Insured Employee and any spouse or child receives, because of the Insured Employee's Disability; or (b) reduced retirement benefits received by the Insured Employee and any spouse or child because of the Insured Employee's receipt of reduced retirement benefits. 6. Earnings the Insured Employee earns or receives from any form of employment. These Other Income Benefits, except Retirement Benefits, are benefits resulting from the same Disability for which a Monthly Benefit is payable under this Policy. An Insured Employee who may be entitled to some Other Income Benefit is required to actively pursue it; if he or she does not, Policy benefits may be denied or suspended. COST -OF -LIVING FREEZE. After the first deduction for each of the Other Income Benefits, the Monthly Benefit will not be further reduced due to any cost -of- living increases payable under these Other Income Benefits. No reduction in benefits shall be put into effect because of an increase in Social Security disability benefits during a benefit period. DUMP SUM PAYMENTS. Other Income Benefits which are paid in a lump sum will be prorated on a monthly basis over the time period for which the sum is given. If no time period is stated, the sum will be prorated on a monthly basis over the time the Company expects the Insured Employee to live. ESTIMATED PAYMENTS. When the Insured Employee may qualify for certain Other Income Benefits, the Company may estimate the amount of such benefits. The Company may reduce the Insured Employee's Monthly Benefits by such estimated amounts, which: 1. have not yet been awarded or denied; or 2. have been denied, if the denial is being appealed. If an Insured Employee's Monthly Benefits have been reduced by an estimated amount; then such payments will be adjusted when the Company receives proof. 1. of the amount actually awarded; or 2. that benefits have been denied, and that any appeal the Company deems necessary has been completed. (In that event, a lump sum will be refunded to the Insured Employee.) • GL3001- LTD -14 98 FL Full SS Integ. 22 01 /01 /01