No one is exempt from accidents or serious illnesses. You need to support yourself and any dependents, even if you become disabled. It's good to know that if a serious accident or illness strikes, the Benefits for Life program provides disability income while you're unable to work. This income protection also helps your employer continue its ministry. The plan provides you with disability income, freeing employer resources to help the good work go on.

MMBB's disability benefits are administered by Aetna, a third party administrator. Should you become disabled, call Aetna's 24-hour Disability Reporting and Information Line toll free at 877.889.0242.

You have disability income protection if your employer is paying premiums for you to the Benefits for Life program. Benefits begin if you are unable to work as a result of an eligible disabling condition for more than three consecutive months. Benefits for Life defines total disability as:

• During the first two years of your disability, being unable to function in your current job; and
  
• After two years of disability, being unable to engage in any substantial gainful employment.

If you file a claim for disability during your first year of plan membership or reinstatement, your claim will be denied if your disability results from a condition that existed at the time of enrollment or reinstatement.

Disability income benefits begin after you have been unable to work for three months due to a disabling condition as defined by the plan. Be sure to apply within the first 90 days of your disability. If your disability ends and then starts again within 12 months, you will not need to satisfy the three-month waiting period again. You will need to provide proof of continued disability from time to time.

Your benefits end when the first of the following occurs:

• You have any substantial gainful employment;
  
  
• You are no longer considered disabled;
  
  
• You start your Benefits for Life monthly annuity income;
  
  
• You reach the disability time limit shown below; or
  
  
• You die.

Disability Time Limit
If disability income benefits begin before you reach age 68, they continue until the later of:

• The end of the month before you reach age 65; or
  
• The end of the month you receive the 48th monthly disability income benefit.

If disability income benefits begin while you are age 68, they continue until the end of the month you receive the 36th monthly disability income benefit.

If disability income benefits begin while you are age 69, they continue until the end of the month you receive the 24th monthly disability income benefit.

If disability income benefits begin while you are age 70 or older, they continue until the end of the month you receive the 12th monthly disability income benefit.