When Disability Benefits Begin and End

Benefits can begin after your elimination period has been satisfied if Prudential determines that you are disabled. Please see "Defined Terms" for the definition of "Elimination Period" and "Disabled."

Benefits continue as long as you meet Group LTD coverage's definition of disability and continue to provide the necessary evidence of your disability. However, your benefits may also be subject to maximum payment periods, depending on your age at the time the disability begins, as shown in this chart:


Your Age on the Date Benefit Disability Begins	Your Maximum Duration
Under 61	To age 65, but not less than 60 months
61	To age 65, but not less than 48 months
62	To age 65, but not less than 42 months
63	To age 65, but not less than 36 months
64	To age 65, but not less than 30 months
65	24 months
66	21 months
67	18 months
68	15 months
69 and over	12 months

Your benefits will end at the end of the maximum payment period, or earlier, if:

You are no longer disabled (as determined by Prudential);

You fail to provide satisfactory evidence of your disability;

You refuse to participate in a rehabilitation program that Prudential considers appropriate for your situation and that is approved by an independent doctor;

You are no longer under the care of a physician;

Your disability earnings exceed the amount allowable;

During the first 24 months of payments, you are able to return to your regular occupation on a part-time basis and choose not to;

After 24 months of payments, you are able to work in any gainful occupation on a part-time basis but choose not to;

When you are able to work in your regular occupation on a part-time basis but you choose not to (applies only to employees whose TACC is greater than $200,000);

No further benefits are payable under any provision of the plan that limits benefit duration (e.g., mental illness and substance abuse); or

You pass away.