Life and AD&D Insurance
If You Become Disabled

We will extend the Amount of Insurance during a period of Total Disability for one year if:

• you become totally disabled prior to age 70;
• the Total Disability begins while you are insured;
• the Total Disability begins while the Policy is in force;
• the Total Disability lasts for at least 6 months;
• the premium continues to be paid; and
• we receive proof of Total Disability within one (1) year from the date it began.

After proof of Total Disability is approved, you are not required to pay premiums. Also, any premiums paid from the start of the Total Disability will be returned. You must submit annual proof of continued Total Disability. The Amount of Insurance may then be extended for additional one year periods. You may be required to be examined by an approved Physician approved. You will not need to be examined more than once a year after the insurance has been extended two full years.

The Amount of Insurance extended will be limited to the amount of basic group life coverage on your life that was in force at the time that Total Disability began excluding any additional benefits. This amount will reduce or cease at any time if you had not been totally disabled. The Amount of Insurance extended for you will cease on the earliest of:

• the date you no longer meet the definition of Total Disability; or
• the date you refuse to be examined; or
• the date you fail to furnish the required proof of Total Disability.

If you qualify for benefits in accordance with the Waiver of Premium in Event of Total Disability provision because you have been diagnosed by a Physician as totally disabled due to the following Condition(s) or Procedure(s), as later defined;

• Life Threatening Cancer; or
• Heart Attack (Myocardial Infarction); or
• Kidney (Renal) Failure; or
• Receipt of Major Organ Transplant; or
• Stroke.

You will receive an additional, one time, lump sum benefit in an amount equal to 10% of the death benefit under the basic life portion of the policy up to a maximum of $100,000.

This lump sum benefit applies only to the first Condition or Procedure to occur among those hereinafter defined which qualifies you for waiver of premium benefits. No further lump sum benefits will be payable under this provision during the same or any subsequent periods of Total Disability, or as a result of the occurrence of any other Condition or Procedure.

Disclaimer: Brandywine Benefits Online provides only an overview of your benefits from Brandywine School District and The State of Delaware. Brandywine School District and The State of Delaware reserve the right to amend or to terminate any benefit plan at any time, with or without notice. Review more important legal information about your benefits plans.

Copyright ©2006 Valley Forge Benefits Consulting, Inc.