DISABILITY INCOME INSURANCE GCERT2000 di/ltd/cola 42 ADDITIONAL LONG TERM BENEFIT: COST OF LIVING ADJUSTMENT If You have been receiving Monthly Benefits under this certificate, We will adjust Your benefit amount on the date the 12 th Monthly Benefit is payable. As limited by the Maximum Benefit Period, further adjustments will take effect on each anniversary of the first adjustment. The adjustments do not apply to amounts We pay under this certificate for Rehabilitation Incentives or any Additional Benefits shown in the SCHEDULE OF BENEFITS. BENEFIT AMOUNT To calculate Your cost of living adjustment, We will multiply the amount of Your Monthly Benefit for the month prior to the date the cost of living adjustment is to take effect by 3 % . We will add this amount to each subsequent Monthly Benefit payment.