SPECIAL RULES FOR GROUPS PREVIOUSLY INSURED UNDER A PLAN OF DISABILITY INCOME INSURANCE (continued) GCERT2000 tog 31 Rules for Pre-existing Conditions In determining whether a Disability is due to a Pre-existing Condition, We will credit You for any time You were insured under the Prior Plan. If Your Disability is due to a Pre-existing Condition as described in this certificate, but would not have been due to a pre-existing condition under the Prior Plan, We will pay a benefit equal to the lesser of: · the benefit amount under this certificate; and · the disability income insurance benefit that would have been payable to You under the Prior Plan. If Your Disability would have been due to a pre-existing condition under the Prior Plan, it will be treated as having been caused by a Pre-existing Condition under this certificate. Rules for Temporary Recovery from a Disability under the Prior Plan We will waive the Elimination Period that would otherwise apply to a Disability under this certificate if You: · received benefits for a disability that began under the Prior Plan (“Prior Plan’s disability”); · returned to work as an active full-time employee prior to the Replacement Date; · become Disabled, as defined in this certificate, after the Replacement Date and within 90 days of Your return to work due to a sickness or accidental injury that is the same as or related to the Prior Plan’s disability; · are no longer entitled to benefit payments for the Prior Plan’s disability since You are no longer insured under such Plan; and · would have been entitled to benefit payments with no further elimination period under the Prior Plan, had it remained in force.