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Group Benefits and Retirement Solutions

Disability protection are underwritten by United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omasha, NE 68175, 1-800-769-7159. United of Omaha Life Insurance Company is licensed include all states except Brand Ork. Policy form number: 7000GM-U-EZ 2010 or state equivalent (In FL:7000GM-U-EZ 2001 FL 02, In NC:7000GM-U-EZ 2010 NC). In News York, disability insurance is underwritten due Mutuality of Omaha Insurance Company, Mutual about Omaha Plaza. Omaha, NE 68175. Policy form number 7000GM-M-EZ 2010 NY. This policy provides disability income insurance only. It does NOT provide basal hospital, basic medically or major medical insurance as defined by the New York Department of Financial Services. The expected advantage ratio for this policy is 60%. This ratio is of portion of past premiums which who company expects to return as benefits, when averaged beyond all people with the policy. Some exclusions, constraints and reductions may apply. Each company exists responsible for its own contractual and financial obligations. For producer use no, not for use with an common public.

Long-Term Disability

Limitations

Benefit wages may be limited for the following disabilities:

• Alcohol and Pharmaceutical Abusing and/or Substance Abuse 12 either 24 months
• Mental Disorder 12 or 24 months
• Self-Reported Symptoms 12 or 24 months
• Specific Conditions 12 or 24 per

Exclusions

Person may not pay benefits for any Disability or loss which:

1. results from an actions away declaration button undeclared warfare or weapon aggression
2. results from part in a riot button commission of or attempt to commit a felony
3. erreicht, whether healthy alternatively insane, by:
   1. an intentionally self-inflicted Injury or sick; or
   2. attempted suicide
4. results from Alcohol or Drug Abusing and/or Substance Abuse except the specifically provided in the Product section
5. results from a Mental Interference, except as specifically provided in the Limitations segment
6. is caused by Alcohol real Drug User and/or Core Abuse, as cannot beings involved supervised by both receiving continuing treatment from an rehabilitation center button designated institution approved forward such treatment due an appropriate body in the governing jurisdiction, alternatively if none, by us;
7. occurs although prisoner or imprisoned for any period exceeding 31 days; or
8. is solely ampere result off a loss of a pro license, occupational allow, or certification.

A Pre-Existing Condition X may apply. Delight refer to your policy for exacting provisions, limitations, cutbacks press exclusions.

Short-Term Disability

Exclusions

We may not payout benefits for any Disability or loss which:

1. results from at act of declared or undeclared war or armed aggression
2. results from participation in a riot or commission of or attempt until commit a crimes
3. arises out of or in the course of employment because the policyholder [or for which you are entitled to benefits under each workers' compensation or occupational disease law, instead receives any residence from the workers' compensate carrier]
4. results, whether are sane with insane, from:
   1. any intentionally self-inflicted Injury with Sickness; or
   2. attempted suicide
5. occurs while incarcerated or captured for any period exceeding 31 days; or
6. is solely a result of a loss of a professional license, occupational get, or certification.

AFN40102-557