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SCHEDULE OF BENEFITS (continued) GCERT2000 sch 22 *The Maximum Benefit Period is subject to the LIMITED DISABILITY BENEFITS and DATE BENEFIT PAYMENTS END sections. Rehabilitation Incentives.............................. Yes Additional Benefits: Cost of Living Adjustment .................................... Yes Single Sum Payment in the Event of Your Death.............................. Yes Alternative Benefit Payment, At Our Option............................................. Yes

MetLife Long Term Disability Certificate - Page 22 MetLife Long Term Disability Certificate Page 21 Page 23