COLA - Increases the net disability benefit annually by a specified percentage1 for a specified number of adjustments, Conversion - If an EE's employment is term'd, they may have the right to enroll in an individual plan, Minimum Indemnity - Benefit pay an additional monthly benefit for a specified number of months if a claimant is accidentally dismembered or loses their sight, Survivor Benefit - Pays a lump sum benefit to an eligible survivor when proof is received that a covered person died while receiving a disability benefit, Pre Ex - Protects the insurer from providing benefits for a condition that existed prior to the employee’s or dependent's effective date, Elimination Period - Period of consecutive days of disability that no benefits are payable , Benefit Waiting Period - # of days or months the EE must wait while employed before they can enroll in coverage, Rehab Benefit - LFG will pay an increased benefit to the claimant if they participate in an approved _______ Program, Successive Period - provides protection to an EE if they attempt a return to work and discover they are unable to continue working due to the same injury/sickness, Pension Benefit - a plan enhancement that pays an additional benefit based on a percentage of pre-disability earnings ranging from 1% to 15%., STAT - a product that is state mandated short term disability coverage,

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