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

Benefits continue as long as you meet the plan'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 benefits will end at the end of the maximum payment period, or earlier, if:

If you become disabled after age 60, benefits may continue beyond age 65 (please see above chart).

When The Hartford, the claims administrator, receives proof that you have died, it will pay your eligible survivor [spouse or child(ren)] a lump-sum benefit that is three times the lesser of:

If you have no eligible survivors, payment will be made to your estate, unless there is none. In this case, no payment will be made.

However, The Hartford will first apply the survivor benefit to any overpayment that may exist on your claim.

You can immediately begin receiving benefits again if you return to work at JPMorgan Chase after receiving benefits, are still eligible for coverage, and then become disabled again due to the same or a related illness or injury within six months after your return.

If the same or a related illness or injury causes your disability more than six months after your return to work, you'll have to complete another elimination period of 182 days before receiving benefits. Of course, as described earlier, you may be eligible to receive benefits under the JPMorgan Chase Disability Leave Policy during the elimination period.

If, during your JPMorgan Chase disability, you suffer a different or unrelated illness or injury, your benefits will continue without interruption. If you suffer a different or unrelated illness or injury after returning to work at JPMorgan Chase, you'll have to complete a new elimination period of 182 days before receiving benefits.

The Hartford, the claims administrator, offers a non-voluntary vocational rehabilitation program to assist you in returning to work. The Hartford will notify you if you are a candidate for the rehabilitation service. Or, you can ask The Hartford to review your claim to determine whether or not rehabilitation services would help you return to gainful employment.

After their initial review, The Hartford may decide to offer you a return-to-work program.

The return-to-work program offers the following services:

(If you refuse to participate in this program, your coverage under the LTD Plan may end.) Please contact The Hartford for more details on the vocational rehabilitation program. Please see the "Plan Administration" section of this Guide for contact information.

If you remain disabled according to the plan and work while you are disabled, you may continue to receive a monthly LTD benefit from The Hartford.

In order to be considered disabled while working, your monthly work-related earnings must be less than 80% of your "indexed monthly earnings." (Your "indexed monthly earnings" are your monthly pre-disability earnings adjusted on the 1st of January (or following the date of disability) by the lesser of 10% or the current annual percentage increase in the Consumer Price Index (CPI). Your indexed monthly earnings may increase or remain the same, but they will never decrease.)

However, if your work-related earnings while disabled are equal to or less than 80% of your indexed monthly earnings, The Hartford will determine your LTD benefit as follows:

Please Note: If you're disabled and working for less than one month after the elimination period, The Hartford will send you 1/30th of your payment for each day of your disability.