Plan Highlights Group Disability Income - Reliance Standard

1 Our flexible Group Disability Income plan notonly provides valuable Income protection toemployees, but also does it at an affordablecost. It can serve as a valuable benefit to helpemployers retain staff. Our Group DisabilityIncome product has competitive rates and plandesign flexibility. Companies can choose frommany specially designed benefit packages tooffer to their offer a competitive managed Disability program which includes the following (on a fullyinsured or administrative services only contract): Licensed Rehabilitation Staff members Vocational and Rehabilitation Evaluation Assistance in Working with Social Security Maximum monthly benefits up to $24,000 Benefit percentage of 40% up to 66-2/3% Elimination periods from 30 days up to fiveyears Elimination period interruption provision Own Occupation definition of Disability from12-60 months or long term Partial and residual benefit available Rate guarantees up to three yearsOptional benefits may be offered at anadditional cost, such as:Work Incentive Benefit,Child Care Benefit, Survivor Benefit, and.

2 The above-listed Highlights and options may not beavailable in all Term Disability plan Features Maximum weekly benefit up to $2,309 perweek Benefit percentages up to 70% Benefit duration up to 52 weeks Claim services only option available Partial and residual benefit available LTD plan FeaturesMonthly benefit maximum ..up to $24,000 (a) Maximum benefit ADEA options Maximum benefit percentage ..66-2/3% (b)* Social Security integration:1) Primary (c) 2) Full family 3) All sources (c)4) Backdoor (c)Elimination period ..60 days to five years Interruption days Own Occupation definition of months, or long term Residual Disability Partial Disability Rehabilitation benefit Work Incentive benefit Child care benefit Specific indemnity benefit Mental and nervous limitations (d) Pre-existing condition limitation Transfer of insurance provisionMinimum monthly benefit.

3 $100** Full maternity coverage Substance abuse limitation (d) Rate to three years Recurrent Disability ..Six months(a) Maximum depends on Group characteristics; (b) benefitpercentage in excess of 60% requires full family integrationand also requires a certain percentage of employercontributions and/or plan design restrictions; (c) notavailable if benefit percentage is greater than 60%; and (d)may be covered as any other illness.*Other options are available **Up to 15% gross monthly benefit available (as low as $50) Standard Age DiscriminationEmployment Act (ADEA) Options*Option AMaximum Duration of Benefits: Benefits will notaccrue beyond the longer of normal retirementage or: Group Disability IncomeFlexible, affordable and employers benefits to attract and retain their Term DisabilityLong Term DisabilityExtended DisabilityPlan HighlightsAge at DisablementBenefit Duration Under age 60to age 65 60 through 6460 months 65 through 68to age 70 69 or over12 months Option B Maximum Duration of Benefits: Benefits will notaccrue beyond the longer of normal retirementage or.

4 Age at DisablementBenefit Duration 61 or lessto age 65 6242 months 6336 months 6430 months 6524 months 6621 months 6718 months 6815 months 69 or over12 months Normal Retirement Age: Normal retirement ageas defined by the 1983 Amendments to theUnited States Social Security Act and determinedby the Insured s year of birth as follows:Year of BirthNormal Retirement 1937 or before65 years 193865 years and 2 months 193965 years and 4 months 194065 years and 6 months 194165 years and 8 months 194265 years and 10 months 1943 through 195466 years195566 years and 2 months 195666 years and 4 months 195766 years and 6 months 195866 years and 8 months 195966 years and 10 months 1960 and after67 yearsOption CAge at DisablementBenefit DurationUnder 70to age 70 70 and over 12 months *Other options are Disability BenefitThe Extended Disability Benefit provides apayment equal to 85% of the net LTD benefit upto a maximum monthly benefit of $5,000, for upto an additional five years.

5 For total disabilities thathave reached the Maximum Benefit Duration, andif the Insured meets the requirements below. A total Disability as a result of injury orsickness reaches the plan s Maximum BenefitDuration The Insured is unable to perform two or moreActivities of Daily Living without anotherperson s assistance or verbal direction; or isCognitively Impaired and needs anotherperson s assistance or verbal direction, and Is either confined as an inpatient in a SkilledNursing Home, Rehabilitation Facility orRehabilitation Hospital in which patientsreceive care from licensed medicalprofessionals; or is receiving Home HealthCare or Hospice Care The Insured makes a written request for thebenefitRSL LeaveManager RSL LeaveManager provides companies with50 to 2,000 lives a web-based system to record,administer and report types of employeeabsences, whether government mandated oremployer authorized.

6 RSL LeaveManager allowscompanies to remain compliant withincomplicated state and federal FMLA and leaveadministration regulations. RSL LeaveManager isonly available as an added value feature with ourLong Term Disability LeaveManager Features: Web Based Application Federal FMLA Administration includingcontinuous, intermittent, and reducedscheduled leaves Comprehensive Audit Trails Medical certification processing Automated and manual generation ofpaperwork Return to work managementRSL LeaveManager Benefits: Reduce leave and absence administrative time Improve productivity by limiting FMLA usageto only those employees who have legitimatequalifying absences Reduce costs due to unscheduled absences Help maintain compliance with Federal FMLAand Department of Labor wage and hourregulationsLTD Exclusions Intentionally self-inflicted injury Act of war (declared or undeclared)

7 Insured committing a felony Disability that occurs while confined in a penalor correctional institutionPlan HighlightsGroupDisabilityIncome2 STD Exclusions Sickness covered by workers compensation* Injury occurring out of or in the course ofwork for wage or profit* Intentionally self-inflicted injury Act of war (declared or undeclared) Insured committing a felony*Applicable to non-occupational can vary by of Individual Insurance The Insured s coverage will terminate on thefirst of the following to occur: The policy terminates The date the Insured no longer meets theeligibility requirements The end of the period for which premium hasbeen paid for the Insured The date the Insured enters military service(not including Reserve or National Guard)NOTE:The Group Disability Income portion of thisbrochure is intended for use by agents and brokers only, andis not intended for distribution to the general of the described products, benefits and featuresmay vary by state.

8 Long term Disability Income coverage isprovided by policy series: LRS-6564, et al through RelianceStandard Life Insurance Company; Short term disabilityincome coverage is provided by policy series: LRS-6451, et althrough Reliance Standard Life Insurance HighlightsGroupDisabilityIncome3RS-1958- DIS (02/07)