Group Benefit Plan for Lakeland College 2016

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Benefit�, then an amount equal to 5% of your Principal Sum or $2,500, whichever is less, is payable to your beneficiary. If you have similar coverage for this benefit under the plan, this benefit is payable up to the percentage of Principal Sum subject to one combined maximum for similar benefits provided through the plan. Rehabilitation

If you suffer a loss covered under the Specific Loss Schedule and as a result, must participate in a rehabilitation program in order to be qualified to engage in a different employment, the plan will refund the reasonable and necessary expenses actually incurred during the three (3) year period following the date of the accident, to a maximum of $15,000. Payment is not made for room, board or other ordinary living, travelling or clothing expenses. If you have similar coverage for this benefit under the plan, this benefit may only be paid once.

Workplace modification and accommodation

If you sustain an injury which results in a loss payable under the Specific Loss Schedule and you require special adaptive equipment and/or workplace modifications in order to accommodate your active full-time work with the College, the plan will reimburse College for the expenses incurred up to $5,000. If you have similar coverage for this benefit under the plan, this benefit may only be paid once.

Occupational training

If you die because of an accident for which an amount of Principal Sum becomes payable, and your spouse must engage in a formal occupational training program in order to upgrade employment qualifications, the plan will refund the reasonable and necessary expenses actually incurred during the three (3) year period following your death, to a maximum of $15,000. Payment is not made for room, board or other ordinary living, travelling or clothing expenses. In the event your spouse satisfies the requirements indicated above, such spouse will be deemed the beneficiary with respect to the benefits payable under this provision. If you have similar coverage for this benefit under the plan, this benefit may only be paid once.

Permanent total disability

The Principal Sum for which you are covered will be paid to you in a lump sum, less any other amounts already paid to you as a result of the same

Printed on October 1, 2016

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