FDX MEC LTD benefits:

A. LTD BENEFIT PERCENTAGE 66.7%
B. MAXIMUM MONTHLY BENEFIT $14,500.
C. MINIMUM MONTHLY BENEFIT 15% of your Pre-disability Monthly Income.
However, if your Net Monthly Benefit plus Other Income Benefits and your monthly Recovery Work Earnings combined exceed 100% of your Pre-disability Monthly Income; the Minimum Monthly Benefit will be reduced; so that when combined with Other Income Benefits and your monthly Recovery Work Earnings; it will not exceed 100% of your Pre-disability Monthly Income. For the purposes of this paragraph; Pre-disability Monthly Income for Captains and First Officers who accept a medically-required seat change will include any contractual pay raise resulting from present or future labor agreements between the Employer and the FEDEX Master Executive Council they would have received as a Captain or First Officer; except for the medically-required seat change.

D. LTD BENEFIT QUALIFYING PERIOD
Your LTD Benefit Qualifying Period means the length of time you must be continuously Disabled before LTD Benefits become payable. A Benefit Qualifying Period begins on the day you become Disabled. During this period; no benefits are payable for your Disability; and you must be under the Regular and Appropriate Care of a Physician. We reserve the right and opportunity to examine you during the Benefit Qualifying Period; and to perform rehabilitation testing we determine is appropriate.
Your LTD Benefit Qualifying Period is the last to occur of:
1. The termination of your benefits under any salary continuation; or short term disability benefits plan sponsored by the Participating Employer;
2. The exhaustion of your accumulated sick leave days provided by the Participating Employer; or
3. For employees electing:
• Option 3 - 12 Months of Disability with Maximum Benefit to age 65.
• Option 4 - 24 Months of Disability with Maximum Benefit to age 65.
The option you elected is shown on your group long term disability enrollment form.

E. LTD MAXIMUM DURATION OF BENEFITS
Your LTD Maximum Duration of Benefits means the longest period of time for which LTD Benefits are payable for any one continuous period of Disability; whether from one or more causes. The LTD Maximum Duration of Benefits begins at the end of the LTD Benefit Qualifying Period.

Your LTD Maximum Duration of Benefits is determined as follows:
If your period of disability starts prior to the date you reach age 61, it will end the last day of the calendar month in which you reach age 65.
If your period of disability starts on or after the date you reach age 61, it will end with the expiration of the number of months of disability, after the elimination period is met, based on the following schedule:

Age When Period of Disability Starts
Months of Disability
61 but less than 62 48 months
62 but less than 63 42 months
63 but less than 64 36 months
64 but less than 65 30 months
65 but less than 66 24 months
66 but less than 67 21 months
67 but less than 68 18 months
68 but less than 69 15 months
69 and over 12 months