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* If you also have MetLife Short Term Disability coverage or Salary Continuance Plan Management, these services are provided automatically. Notification by your Employer is not necessary. Return To Work Program Goal of Rehabilitation The goal of MetLife is to focus on Employees' abilities, instead of disabilities. This "abilities" philosophy is the foundation of our Return to Work Program. By focusing on what Employees can do versus what they can't, we can assist you in returning to work sooner than expected. Incentives For Returning To Work Your Disability plan is designed to provide clear advantages and financial incentives for returning to work either full-time or part-time, while still receiving a Disability benefit. In addition to financial incentives, there may be personal benefits resulting from returning to work. Many Employees experience higher self-esteem and the personal satisfaction of being self-sufficient and productive once again. If it is determined that you are capable but you do not participate in the Return to Work Program, your Disability benefits may cease. Return to Work Services As a covered Employee you are automatically eligible to participate in our Return to Work Program. The Program aims to identify the necessary training and therapy that can help you return to work. In many cases, this means helping you return to your former occupation, although rehabilitation can also lead to a new occupation which is better suited to your condition and makes the most of your abilities. There is no additional cost to you for the services we provide, and they are tailored to meet your individual needs. These services include, but are not limited to, the following: 1. Vocational Analyses Assessment and counseling to help determine how your skills and abilities can be applied to a new or a modified job with your Employer. 2. Labor Market Surveys Studies to find jobs available in your local economy that would utilize your abilities and skills. Also identify your earning potential for a specific occupation. 3. Retraining Programs Programs to facilitate return to your previous job, or to train you for a new job. 4. Job Modifications Analyses of job demands and functions to determine what modifications may be made to maximize your employment opportunities. This also includes changes in your job or modifications to help you perform the previous job or a similar vocation. 5. Job Seeking Skills and Job Placement Assistance Special training to identify abilities, set goals, develop resumes, polish interviewing techniques, and provide other career search assistance.

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