go trough this below document and help me understand if it beneficial to get a short term disability - if this employee is going to be a parent (father) and can he take this benefit and claim for short term disability and take advantage during the parental leave or metrernity leave 
Certificate Number 1A
YOUR BENEFIT PLAN
CGI Technologies & Solutions, Inc.
All Actively at Work Full-Time and Part-Time Non Service Contract
Act Employees of the Policyholder working at least 20 hours or
more per week excluding Temporary and Seasonal Employees and
Short-Term Inter-Company Transfers
Disability Income Insurance: Short Term Benefits
Certificate Date: January 1, 2021 
CGI Technologies & Solutions, Inc.
11325 Randon Hills Road
Fairfax, VA 22030
TO OUR EMPLOYEES:
All of us appreciate the protection and security insurance provides.
This certificate describes the benefits that are available to you. We urge you to read it carefully.
CGI Technologies & Solutions, Inc. 
GCR13-22
Metropolitan Life Insurance Company
200 Park Avenue, New York, New York 10166
CERTIFICATE RIDER
Us
Group Policy No.: 229381-1-G
Policyholder: CGI Technologies & Solutions, Inc.
Effective Date: January 1, 2021
The Certificate is changed as shown below:
I. The Income Which Will Reduce Your Disability Benefit provision is changed, with respect to the income
source for state or public employee retirement programs which appears in this provision, to read as
follows:
● any state, public or federal employee retirement or disability plan, including State Teachers
Retirement System (STRS); Public Employee Retirement System (PERS) or Federal Retirement
System (FERS). You must apply for such benefits through the highest appeal level that is applicable
to such benefits and available under the plan; or
II. The Reducing Your Disability Benefit By The Estimated Amount of Your Social Security Benefits provision
is changed to read as follows:
REDUCING YOUR DISABILITY BENEFIT BY THE ESTIMATED AMOUNT OF YOUR GOVERNMENT
COMPULSORY BENEFIT PLAN OR PROGRAM OR STRS, PERS OR FERS OR OTHER PUBLIC
EMPLOYEE RETIREMENT OR DISABILITY BENEFIT PLAN OR PROGRAM
If there is a reasonable basis for You to apply for benefits under a government compulsory plan or program or
a federal, state or other public employee retirement or disability plan or program, including a STRS, PERS or
FERS Retirement System, We expect You to apply for such benefits.
1. With respect to Government Compulsory Benefit Plans or Programs or STRS, PERS, FERS Benefit
Plans or Programs, or to apply means to pursue such benefits through all applicable levels of appeal
provided under such benefit plans or programs. You must, within 4 weeks following the date You
become Disabled:
 send Us Proof that You have applied for benefits under such plans or programs; and
 sign a reimbursement agreement in which You agree to repay Us for any overpayments We
may make to You under this insurance.
If You do not satisfy the above requirements, We will reduce Your Disability benefit by the amount of
such government compulsory benefit plan or program benefit, or STRS, PERS or FERS benefit that
We estimate You are eligible to receive, provided that We have the reasonable means to make such
an estimate. We will start to do this with the first Disability benefit payment under this certificate
coincident with the date You were eligible to receive such government compulsory benefit plan or
program benefit, or STRS, PERS or FERS benefits under any such plan or programs.
2. With respect to STRS, PERS or FERS benefit a government compulsory benefit plan or program, or if
You do receive approval or final denial of Your claim for such benefits, You must notify Us
immediately. We will adjust the amount of Your Disability benefit. You must promptly repay Us for
any overpayment.
This rider is to be attached to and made a part of the Certificate
GCERT2000
fp 1
Metropolitan Life Insurance Company
200 Park Avenue, New York, New York 10166
CERTIFICATE OF INSURANCE
Metropolitan Life Insurance Company ("MetLife"), a stock company, certifies that You are insured for the
benefits described in this certificate, subject to the provisions of this certificate. This certificate is issued to
You under the Group Policy and it includes the terms and provisions of the Group Policy that describe Your
insurance. PLEASE READ THIS CERTIFICATE CAREFULLY.
This certificate is part of the Group Policy. The Group Policy is a contract between MetLife and the
Policyholder and may be changed or ended without Your consent or notice to You.
Policyholder: CGI Technologies & Solutions, Inc.
Group Policy Number: 229381-1-G
Type of Insurance: Disability Income Insurance: Short Term Benefits
MetLife Toll Free Number(s):
For Claim Information FOR DISABILITY INCOME CLAIMS: 1-800-638-2242
THIS CERTIFICATE ONLY DESCRIBES DISABILITY INSURANCE.
THE BENEFITS OF THE POLICY PROVIDING YOUR COVERAGE ARE GOVERNED PRIMARILY BY THE
LAW OF A STATE OTHER THAN FLORIDA.
THE GROUP INSURANCE POLICY PROVIDING COVERAGE UNDER THIS CERTIFICATE WAS ISSUED
IN A JURISDICTION OTHER THAN MARYLAND AND MAY NOT PROVIDE ALL THE BENEFITS
REQUIRED BY MARYLAND LAW.
For New Hampshire Residents: 30 Day Right to Examine Certificate.
Please read this Certificate. You may return the Certificate to Us within 30 days from the date You receive it.
If you return it within the 30 day period, the Certificate will be considered never to have been issued and We
will refund any premium paid for insurance under this Certificate.
WE ARE REQUIRED BY STATE LAW TO INCLUDE THE NOTICE(S) WHICH APPEAR ON THIS PAGE
AND IN THE NOTICE(S) SECTION WHICH FOLLOWS THIS PAGE. PLEASE READ THE(SE) NOTICE(S)
CAREFULLY. 
NOTICE FOR RESIDENTS OF TEXAS
GCERT-TX-NOTICE 2020 2
Have a complaint or need help?
If you have a problem with a claim or your premium, call your insurance company or HMO first. If
you can't work out the issue, the Texas Department of Insurance may be able to help.
Even if you file a complaint with the Texas Department of Insurance, you should also file a
complaint or appeal through your insurance company or HMO. If you don't, you may lose
your right to appeal.
Metropolitan Life Insurance Company
To get information or file a complaint with your insurance company or HMO:
Call: Corporate Consumer Relations Department at 1-800-438-6388
Toll-free: 1-800-438-6388
Email: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Mail: Metropolitan Life Insurance Company
700 Quaker Lane
2nd Floor
Warwick, RI 02886
The Texas Department of Insurance
To get help with an insurance question or file a complaint with the state:
Call with a question: 1-800-252-3439
File a complaint: www.tdi.texas.gov
Email: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Mail: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091
¿Tiene una queja o necesita ayuda?
Si tiene un problema con una reclamación o con su prima de seguro, llame primero a su
compañía de seguros o HMO. Si no puede resolver el problema, es posible que el
Departamento de Seguros de Texas (Texas Department of Insurance, por su nombre en
inglés) pueda ayudar.
Aun si usted presenta una queja ante el Departamento de Seguros de Texas, también debe
presentar una queja a través del proceso de quejas o de apelaciones de su compañía de
seguros o HMO. Si no lo hace, podría perder su derecho para apelar.
Metropolitan Life Insurance Company
Para obtener información o para presentar una queja ante su compañía de seguros o HMO:
Llame a: Departamento de Relaciones Corporativas del Consumidor al 1-800-438-6388 
GCERT-TX-NOTICE 2020 3
Teléfono gratuito: 1-800-438-6388
Correo electrónico: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Dirección postal: Metropolitan Life Insurance Company
700 Quaker Lane
2nd Floor
Warwick, RI 02886
El Departamento de Seguros de Texas
Para obtener ayuda con una pregunta relacionada con los seguros o para presentar una
queja ante el estado:
Llame con sus preguntas al: 1-800-252-3439
Presente una queja en: www.tdi.texas.gov
Correo electrónico: <PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
Dirección postal: MC 111-1A, P.O. Box 149091, Austin, TX 78714-9091 
GCERT2000
notice/wc/nw 4
NOTICE FOR RESIDENTS OF ALL STATES
WORKERS’ COMPENSATION
This certificate does not replace or affect any requirement for coverage by workers’ compensation insurance.
MANDATORY DISABILITY INCOME BENEFIT LAWS
For Residents of California, Hawaii, New Jersey, New York, Rhode Island and Puerto Rico
This certificate does not affect any requirement for any government mandated temporary disability income
benefits law. 
GCERT2000
notice/ar 5
NOTICE FOR RESIDENTS OF ARKANSAS
If You have a question concerning Your coverage or a claim, first contact the Policyholder or group account
administrator. If, after doing so, You still have a concern, You may call the toll free telephone number shown
on the Certificate Face Page.
Policyholders have the right to file a complaint with the Arkansas Insurance Department (AID). You may call
AID to request a complaint form at (800) 852-5494 or (501) 371-2640 or write the Department at:
Arkansas Insurance Department
Consumer Services Division
1 Commerce Way, Suite 102
Little Rock, Arkansas 72202 
GCERT2000
notice/ca 6
NOTICE FOR RESIDENTS OF CALIFORNIA
IMPORTANT NOTICE
TO OBTAIN ADDITIONAL INFORMATION, OR TO MAKE A COMPLAINT, CONTACT THE
POLICYHOLDER OR METLIFE AT:
METROPOLITAN LIFE INSURANCE COMPANY
ATTN: CONSUMER RELATIONS DEPARTMENT
500 SCHOOLHOUSE ROAD
JOHNSTOWN, PA 15904
1-800-438-6388
IF, AFTER CONTACTING THE POLICYHOLDER AND/OR METLIFE, YOU FEEL THAT A SATISFACTORY
SOLUTION HAS NOT BEEN REACHED, YOU MAY FILE A COMPLAINT WITH THE CALIFORNIA
DEPARTMENT OF INSURANCE DEPARTMENT AT:
DEPARTMENT OF INSURANCE
CONSUMER SERVICES
300 SOUTH SPRING STREET
LOS ANGELES, CA 90013
WEBSITE: http://www.insurance.ca.gov/
1-800-927-4357 (within California)
1-213-897-8921 (outside California) 
GCERT2000
notice/ct 7
NOTICE FOR RESIDENTS OF CONNECTICUT
MANDATORY REHABILITATION
This certificate contains a mandatory rehabilitation provision, which may require you to participate in
vocational training or physical therapy when appropriate. 
GCERT2000
notice/ga 8
NOTICE FOR RESIDENTS OF GEORGIA
IMPORTANT NOTICE
The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon
his or her status as a victim of family violence. 
GCERT2000
notice/id 9
NOTICE FOR RESIDENTS OF IDAHO
If You have a question concerning Your coverage or a claim, first contact the Policyholder. If, after doing so,
You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page.
If You are still concerned after contacting both the Policyholder and MetLife, You should feel free to contact:
Idaho Department of Insurance
Consumer Affairs
700 West State Street, 3rd Floor
PO Box 83720
Boise, Idaho 83720-0043
1-800-721-3272 (for calls placed within Idaho) or 208-334-4250 or www.DOI.Idaho.gov 
NOTICE FOR RESIDENTS OF ILLINOIS
GCERT2000
notice/il 10
IMPORTANT NOTICE
To make a complaint to MetLife, You may write to:
MetLife
200 Park Avenue
New York, New York 10166
The address of the Illinois Department of Insurance is:
Illinois Department of Insurance
Public Services Division
Springfield, Illinois 62767 
GCERT2000
notice/in 11
NOTICE FOR RESIDENTS OF INDIANA
Questions regarding your policy or coverage should be directed to:
Metropolitan Life Insurance Company
1-800-438-6388
If you (a) need the assistance of the government agency that regulates insurance; or (b) have a complaint you
have been unable to resolve with your insurer you may contact the Department of Insurance by mail,
telephone or email:
State of Indiana Department of Insurance
Consumer Services Division
311 West Washington Street, Suite 300
Indianapolis, Indiana 46204
Consumer Hotline: (800) 622-4461; (317) 232-2395
Complaint can be filed electronically at www.in.gov/idoi 
NOTICE FOR RESIDENTS OF MAINE
GCERT2000
notice/me 12
You have the right to designate a third party to receive notice if Your insurance is in danger of lapsing due to
a default on Your part, such as for nonpayment of a contribution that is due. The intent is to allow
reinstatements where the default is due to the insured person’s suffering from cognitive impairment or
functional incapacity. You may make this designation by completing a “Third-Party Notice Request Form” and
sending it to MetLife. Once You have made a designation, You may cancel or change it by filling out a new
Third-Party Notice Request Form and sending it to MetLife. The designation will be effective as of the date
MetLife receives the form. Call MetLife at the toll-free telephone number shown on the face page of this
certificate to obtain a Third-Party Notice Request Form. Within 90 days after cancellation of coverage for
nonpayment of premium, You or any person authorized to act on Your behalf may request reinstatement of
the certificate on the basis that You suffered from cognitive impairment or functional incapacity at the time of
cancellation. 
NOTICE FOR MASSACHUSETTS RESIDENTS
GCERT2000
notice/ma 13
CONTINUATION OF DISABILITY INCOME INSURANCE
1. If Your Disability Income Insurance ends due to a Plant Closing or Covered Partial Closing, such
insurance will be continued for 90 days after the date it ends.
2. If Your Disability Income Insurance ends because:
 You cease to be in an Eligible Class; or
 Your employment terminates;
for any reason other than a Plant Closing or Covered Partial Closing, such insurance will continue for 31 days
after the date it ends.
Continuation of Your Disability Income Insurance under the CONTINUATION OF INSURANCE WITH
PREMIUM PAYMENT subsection will end before the end of continuation periods shown above if You become
covered for similar benefits under another plan.
Plant Closing and Covered Partial Closing have the meaning set forth in Massachusetts Annotated Laws,
Chapter 151A, Section 71A. 
GCERT2000
notice/tx/wc 14
NOTICE FOR RESIDENTS OF TEXAS
THE INSURANCE POLICY UNDER WHICH THIS CERTIFICATE IS ISSUED IS NOT A POLICY OF
WORKERS’ COMPENSATION INSURANCE. YOU SHOULD CONSULT YOUR EMPLOYER TO
DETERMINE WHETHER YOUR EMPLOYER IS A SUBSCRIBER TO THE WORKERS’ COMPENSATION
SYSTEM. 
NOTICE FOR RESIDENTS OF UTAH
GTY-NOTICE-UT-0710 15
Notice of Protection Provided by
Utah Life and Health Insurance Guaranty Association
This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ("the
Association") and the protection it provides for policyholders. This safety net was created under Utah law,
which determines who and what is covered and the amounts of coverage.
The Association was established to provide protection in the unlikely event that your life, health, or annuity
insurance company becomes financially unable to meet its obligations and is taken over by its insurance
regulatory agency. If this should happen, the Association will typically arrange to continue coverage and pay
claims, in accordance with Utah law, with funding from assessments paid by other insurance companies.
The basic protections provided by the Association are:
 Life Insurance
o $500,000 in death benefits
o $200,000 in cash surrender or withdrawal values
 Health Insurance
o $500,000 in hospital, medical and surgical insurance benefits
o $500,000 in long-term care insurance benefits
o $500,000 in disability income insurance benefits
o $500,000 in other types of health insurance benefits
 Annuities
o $250,000 in withdrawal and cash values
The maximum amount of protection for each individual, regardless of the number of policies or contracts, is
$500,000. Special rules may apply with regard to hospital, medical and surgical insurance benefits.
Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does
not extend to any portion of a policy or contract that the insurer does not guarantee, such as certain
investment additions to the account value of a variable life insurance policy or a variable annuity contract.
Coverage is conditioned on residency in this state and there are substantial limitations and exclusions. For a
complete description of coverage, consult Utah Code, Title 3 lA, Chapter 28.
Insurance companies and agents are prohibited by Utah law to use the existence of the Association
or its coverage to encourage you to purchase insurance. When selecting an insurance company, you
should not rely on Association coverage. If there is any inconsistency between Utah law and this
notice, Utah law will control.
To learn more about the above protections, as well as protections relating to group contracts or retirement
plans, please visit the Association's website at www.utlifega.org or contact:
Utah Life and Health Insurance Guaranty Assoc. Utah Insurance Department
60 East South Temple, Suite 500 3110 State Office Building
Salt Lake City UT 84111 Salt Lake City UT 84114-6901
(801) 320-9955 (801) 538-3800
A written complaint about misuse of this Notice or the improper use of the existence of the Association may
be filed with the Utah Insurance Department at the above address. 
NOTICE FOR RESIDENTS OF VIRGINIA
GCERT2000
notice/va 16
IMPORTANT INFORMATION REGARDING YOUR INSURANCE
In the event You need to contact someone about this insurance for any reason please contact Your agent. If no
agent was involved in the sale of this insurance, or if You have additional questions You may contact the
insurance company issuing this insurance at the following address and telephone number:
MetLife
200 Park Avenue
New York, New York 10166
Attn: Corporate Consumer Relations Department
To phone in a claim related question, You may call Claims Customer Service at:
1-800-275-4638
If You have been unable to contact or obtain satisfaction from the company or the agent, You may contact the
Virginia State Corporation Commission’s Bureau of Insurance at:
Bureau of Insurance
Life and Health Division
P.O. Box 1157
Richmond, VA 23218-1157
1-804-371-9691 - phone
<PRESIDIO_ANONYMIZED_PHONE_NUMBER> - toll-free
1-804-371-9944 - fax
www.scc.virginia.gov - web address
<PRESIDIO_ANONYMIZED_EMAIL_ADDRESS> - email
Written correspondence is preferable so that a record of Your inquiry is maintained. When contacting Your
agent, company or the Bureau of Insurance, have Your policy number available. 
GCERT2000
notice/wi 17
NOTICE FOR RESIDENTS OF WISCONSIN
KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS
PROBLEMS WITH YOUR INSURANCE? - If You are having problems with Your insurance company or
agent, do not hesitate to contact the insurance company or agent to resolve Your problem.
MetLife
Attn: Corporate Consumer Relations Department
200 Park Avenue
New York, New York 10166
1-800-438-6388
You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which
enforces Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE
COMMISSIONER OF INSURANCE by contacting:
Office of the Commissioner of Insurance
Complaints Department
P.O. Box 7873
Madison, WI 53707-7873
1-800-236-8517 outside of Madison or 608-266-0103 in Madison. 
TABLE OF CONTENTS
Section Page
GCERT2000
toc
18
CERTIFICATE FACE PAGE ............................................................................................................................... 1
NOTICES ............................................................................................................................................................ 2
SCHEDULE OF BENEFITS .............................................................................................................................. 19
DEFINITIONS ................................................................................................................................................... 20
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU ...................................................................................... 24
Eligible Classes ............................................................................................................................................. 24
Date You Are Eligible for Insurance .............................................................................................................. 24
Enrollment Process ....................................................................................................................................... 24
Date Your Insurance Takes Effect ................................................................................................................ 24
Date Your Insurance Ends ............................................................................................................................ 25
SPECIAL RULES FOR GROUPS PREVIOUSLY INSURED UNDER A PLAN OF DISABILITY INCOME
INSURANCE ..................................................................................................................................................... 26
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT .................................................................... 28
For Family And Medical Leave ...................................................................................................................... 28
At The Policyholder's Option ......................................................................................................................... 28
EVIDENCE OF INSURABILITY ........................................................................................................................ 29
DISABILITY INCOME INSURANCE: SHORT TERM BENEFITS .................................................................... 30
DISABILITY INCOME INSURANCE: INCOME WHICH WILL REDUCE YOUR DISABILITY BENEFIT ......... 32
DISABILITY INCOME INSURANCE: INCOME WHICH WILL NOT REDUCE YOUR DISABILITY BENEFIT ... 33
DISABILITY INCOME INSURANCE: DATE BENEFIT PAYMENTS END ....................................................... 34
DISABILITY INCOME INSURANCE ................................................................................................................. 35
ADDITIONAL SHORT TERM BENEFIT: ORGAN DONOR .......................................................................... 35
DISABILITY INCOME INSURANCE: LIMITED DISABILITY BENEFITS ......................................................... 36
DISABILITY INCOME INSURANCE: EXCLUSIONS ........................................................................................ 37
FILING A DISABILITY INCOME INSURANCE CLAIM ..................................................................................... 38
GENERAL PROVISIONS .................................................................................................................................. 40
Assignment .................................................................................................................................................... 40
Disability Income Benefit Payments: Who We Will Pay ................................................................................ 40
Entire Contract ............................................................................................................................................... 40
Incontestability: Statements Made by You .................................................................................................... 40
Misstatement of Age ...................................................................................................................................... 40
Conformity with Law ...................................................................................................................................... 41
Physical Exams ............................................................................................................................................. 41
Autopsy .......................................................................................................................................................... 41
Overpayments for Disability Income Insurance ............................................................................................. 41
Lien and Repayment ..................................................................................................................................... 42
SCHEDULE OF BENEFITS
GCERT2000 19
sch
This schedule shows the benefits that are available under the Group Policy. You will only be insured for the
benefits:
● for which You become and remain eligible;
● which You elect, if subject to election; and
● which are in effect.
BENEFIT BENEFIT AMOUNT AND HIGHLIGHTS
Disability Income Insurance For You: Short Term Benefits
For Week 1 through Week 4:
Weekly Benefit……………………………………. 100% of Your Predisability Earnings, subject to
the INCOME WHICH WILL REDUCE YOUR
DISABILITY BENEFIT section
For Week 5 through Week 11:
Weekly Benefit……………………………………. 70% of Your Predisability Earnings, subject to
the INCOME WHICH WILL REDUCE YOUR
DISABILITY BENEFIT section
Minimum Weekly Benefit………………………… $25, subject to the Overpayments and
Rehabilitation Incentive subsections of this
certificate
Elimination Period………………………………… For Injury
● 14 days of Disability.
For Sickness
● 14 days of Disability.
 For Injury or For Sickness
● none if confined in a hospital for at least an
overnight stay
Maximum Benefit Period………………………… 13 weeks
Rehabilitation Incentives………………………… Yes
Additional Benefits:
Organ Donor Benefit……………………………... Yes 
DEFINITIONS
GCERT2000 20
def as amended by GCR10-11 l/dp
As used in this certificate, the terms listed below will have the meanings set forth below. When defined terms
are used in this certificate, they will appear with initial capitalization. The plural use of a term defined in the
singular will share the same meaning.
Actively at Work or Active Work means that You are performing all of the usual and customary duties of
Your job. This must be done at:
● the Policyholder’s place of business;
● an alternate place approved by the Policyholder; or
● a place to which the Policyholder’s business requires You to travel.
You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays or
business closures if You were Actively at Work on the last scheduled work day preceding such time off.
Appropriate Care and Treatment means medical care and treatment that is:
 given by a Physician whose medical training and clinical specialty are appropriate for treating Your
Disability;
 consistent in type, frequency and duration of treatment with relevant guidelines of national medical
research, health care coverage organizations and governmental agencies;
 consistent with a Physician’s diagnosis of Your Disability; and
 intended to maximize Your medical and functional improvement.
Beneficiary means the person(s) to whom We will pay insurance as determined in accordance with the
GENERAL PROVISIONS section.
Disabled or Disability means that, due to Sickness or as a direct result of accidental injury:
 You are receiving Appropriate Care and Treatment and complying with the requirements of such
treatment; and
 You are, unable to earn more than 80% of Your Predisability Earnings at Your Own Occupation for any
employer; and
 unable to perform each of the material duties of Your Own Occupation for any employer.
For purposes of determining whether a Disability is the direct result of an accidental injury, the Disability must
have occurred within 90 days of the accidental injury and resulted from such injury independent of other
causes.
If Your occupation requires a license, the fact that You lose Your license for any reason will not, in itself,
constitute Disability.
 
DEFINITIONS (continued)
GCERT2000 21
def as amended by GCR10-11 l/dp
Domestic Partner means each of two people, one of whom is an employee of the Policyholder, who:
● have registered as each other’s domestic partner, civil union partner or reciprocal beneficiary with a
government agency where such registration is available; or
● are of the same or opposite sex and have a mutually dependent relationship so that each has an
insurable interest in the life of the other. Each person must be:
1. 18 years of age or older;
2. unmarried;
3. the sole domestic partner of the other person and have been so for the immediately preceding 12
months;
4. sharing a primary residence with the other person and have been so sharing for the immediately
preceding 12 months; and
5. not related to the other in a manner that would bar their marriage in the jurisdiction in which they
reside.
A Domestic Partner affidavit attesting to the existence of an insurable interest in one another’s lives must
be completed and Signed by the employee.
Elimination Period means the period of Your Disability during which We do not pay benefits. The Elimination
Period begins on the day You become Disabled and continues for the period shown in the SCHEDULE OF
BENEFITS.
Noncontributory Insurance means insurance for which the Policyholder does not require You to pay any
part of the premium.
Organ Transplant Procedure means the surgical removal of any one or more of Your organs for the purpose
of transplanting to another person.
Own Occupation means the occupation You routinely perform that provides the primary source of Your
earned income. In determining your Own Occupation, We will look at Your occupation as it is normally
performed instead of how it is performed for any specific employer or in any specific location.
Physician means:
● a person licensed to practice medicine in the jurisdiction where such services are performed; or
● any other person whose services, according to applicable law, must be treated as Physician's services for
purposes of the Group Policy. Each such person must be licensed in the jurisdiction where he performs
the service and must act within the scope of that license. Such person must also be certified and/or
registered if required by such jurisdiction.
The term does not include:
 You;
 Your Spouse or Domestic Partner; or
 any member of Your immediate family including Your and/or Your Spouse’s or Domestic Partner’s :
 parents;
 children (natural, step or adopted);
 siblings;
 grandparents; or
 grandchildren.
 
DEFINITIONS (continued)
GCERT2000 22
def as amended by GCR10-11 l/dp
Policyholder’s Retirement Plan means a plan which:
 provides retirement benefits to employees; and
 is funded in whole or in part by Policyholder contributions.
The term does not include:
 profit sharing plans;
 thrift or savings plans;
 non-qualified plans of deferred compensation;
 plans under IRC Section 401(k) or 457;
 individual retirement accounts (IRA);
 tax sheltered annuities (TSA) under IRC Section 403(b);
 stock ownership plans; or
 Keogh (HR-10) plans.
Predisability Earnings means gross salary or wages You were earning from the Policyholder as of Your last
day of Active Work before Your Disability began, subject to any increase or decrease in insurance as
described in the ELIGIBILITY PROVISIONS: INSURANCE FOR YOU, Increase in Insurance and Decrease in
Insurance provisions. We calculate this amount on a weekly basis.
The term includes:
● contributions You were making through a salary reduction agreement with the Policyholder to any of the
following:
● an Internal Revenue Code (IRC) Section 401(k), 403(b) or 457 deferred compensation arrangement;
● an executive non-qualified deferred compensation arrangement; and
● Your fringe benefits under an IRC Section 125 plan.
The term does not include:
● commissions;
● awards and bonuses;
● overtime pay;
● the grant, award, sale, conversion and/or exercise of shares of stock or stock options;
● the Policyholder’s contributions on Your behalf to any deferred compensation arrangement or pension
plan; or
● any other compensation from the Policyholder.
Proof means Written evidence satisfactory to Us that a person has satisfied the conditions and requirements
for any benefit described in this certificate. When a claim is made for any benefit described in this certificate,
Proof must establish:
 the nature and extent of the loss or condition;
 Our obligation to pay the claim; and
 the claimant’s right to receive payment.
Proof must be provided at the claimant’s expense.
 
DEFINITIONS (continued)
GCERT2000 23
def as amended by GCR10-11 l/dp
Rehabilitation Program means a program that has been approved by us for the purpose of helping You
return to work. It may include, but is not limited to, Your participation in one or more of the following activities:
 return to work on a modified basis with a goal of resuming employment for which You are reasonably
qualified by training, education, experience and past earnings;
 on-site job analysis;
 job modification/accommodation;
 training to improve job-seeking skills;
 vocational assessment;
 short-term skills enhancement;
 vocational training; or
 restorative therapies to improve functional capacity to return to work.
Sickness means illness, disease or pregnancy, including complications of pregnancy.
Signed means any symbol or method executed or adopted by a person with the present intention to
authenticate a record, which is on or transmitted by paper or electronic media which is acceptable to Us and
consistent with applicable law.
Spouse means Your lawful spouse.
We, Us and Our mean MetLife.
Written or Writing means a record which is on or transmitted by paper or electronic media which is
acceptable to Us and consistent with applicable law.
You and Your mean an employee who is insured under the Group Policy for the insurance described in this
certificate. 
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU
GCERT2000 24
e/ee
ELIGIBLE CLASS(ES)
All Actively at Work full-time and part-time non Service Contract Act employees of the Policyholder
working at least 20 hours or more per week excluding temporary and seasonal employees and shortterm inter-company transfers.
DATE YOU ARE ELIGIBLE FOR INSURANCE
You may only become eligible for the insurance available for Your eligible class as shown in the SCHEDULE
OF BENEFITS.
If You are in an eligible class on January 1, 2021, You will be eligible for the insurance described in this
certificate on that date.
If You enter an eligible class after January 1, 2021, You will be eligible for the insurance described in this
certificate on the date You enter that class.
ENROLLMENT PROCESS
If You are eligible for insurance, You may enroll for such insurance by completing an enrollment form.
DATE YOUR INSURANCE TAKES EFFECT
Rules for Noncontributory Insurance
When You complete the enrollment process for Noncontributory Insurance, such insurance will take effect on
the date You become eligible, provided You are Actively at Work on that date.
If You are not Actively at Work on the date the Noncontributory Insurance would otherwise take effect,
insurance will take effect on the day You resume Active Work.
Increase in Insurance
An increase in insurance due to an increase in Your earnings will take effect on the date of the increase in
Your earnings.
If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on
the day You resume Active Work.
Decrease in Insurance
A decrease in insurance due to a decrease in Your earnings will take effect on the date of change.
If You make a Written request to decrease Your insurance, that decrease will take effect as of the date of
Your Written request.
Changes in Your Disability Income Insurance will only apply to Disabilities commencing on or after the date of
the change.
 
ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued)
GCERT2000 25
e/ee
DATE YOUR INSURANCE ENDS
Your insurance will end on the earliest of:
1. the date the Group Policy ends; or
2. the date insurance ends for Your class; or
3. the end of the period for which the last premium has been paid for You; or
4. the date You cease to be in an eligible class. You will cease to be in an eligible class on the date You
cease Active Work in an eligible class, if You are not Disabled on that date; or
5. the date Your employment ends; or
6. the date You retire in accordance with the date Your employment ends.
In certain cases insurance may be continued as stated in the section entitled CONTINUATION OF
INSURANCE WITH PREMIUM PAYMENT.
Reinstatement of Disability Income Insurance
If Your insurance ends, You may become insured again as follows:
1. If Your insurance ends because:
 You cease to be in an eligible class; or
 Your employment ends; and
 You become a member of an eligible class again within 3 months of the date Your insurance ended,
 You will not have to complete a new Waiting Period or provide evidence of Your insurability.
2. If Your insurance ends because you cease making the required premium while on an approved Family
and Medical Leave Act (FMLA) or other legally mandated leave of absence, and you become a member
of an eligible class within 31 days of the earlier of:
 The end of the period of leave You and the Policyholder agreed upon; or
 The end of the eligible leave period required under the FMLA or other similar legally mandated leave
of absence law,
 You will not have to complete a new Waiting Period or provide evidence of Your insurability.
3. In all other cases where Your insurance ends because the required premium for Your insurance has
ceased to be paid, You will be required to provide evidence of Your insurability. 
SPECIAL RULES FOR GROUPS PREVIOUSLY INSURED UNDER A PLAN OF
DISABILITY INCOME INSURANCE
GCERT2000 26
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The following rules will apply if this Disability Income Insurance:
 replaces a plan of group disability income coverage provided to You by the Policyholder; or
 replaces a Prior Plan of group disability income coverage provided to You by a former employer; when
the replacement results from the Policyholder’s acquisition of, merger with or other combination with that
employer.
Prior Plan means the plan of group disability income coverage that was provided to You by the Policyholder
or the former employer on the day before the Replacement Date, and is being replaced by this insurance.
Replacement Date means the effective date of the Disability Income Insurance under the Group Policy.
Rules for When Insurance Takes Effect if You were Insured Under the Prior Plan on the Day Before the
Replacement Date:
 If You are Actively at Work on the day before the Replacement Date, You will become insured for
Disability Income Insurance under this certificate on the Replacement Date.
 If You are not Actively at Work on such date because you are Disabled, and the Prior Plan that
You were covered under on the day before the Replacement Date was an insured plan, You will
become insured for Disability Income Insurance under this certificate on the Replacement Date. However,
if the Prior Plan that You were covered under on the day before the Replacement Date was a self-funded
plan, You will become insured for Disability Income Insurance under this certificate on the date You return
to Active Work.
We will credit any time You accumulated toward the Elimination Period under the Prior Plan to the
satisfaction of the Elimination Period required to be met under this certificate.
Any benefits paid for such Disability will be equal to those that would have been payable to You under the
Prior Plan less any amount for which the prior carrier is liable.
Benefit payments for such Disability will end on the earliest of:
 the date that payments end under the subsection DATE BENEFIT PAYMENTS END in this
certificate; or
 the date that payments would have ended under the provisions of the Prior Plan of Insurance.
 If You are not Actively at Work on such date for any other reason, You will become insured for
Disability Income Insurance under this certificate on the date you return to Active Work, provided
however, if You are on a Policyholder approved leave of absence on the Replacement Date, You will
become insured for Disability Income Insurance on the Replacement Date. However, Your insurance
under this certificate will end on the date Your approved leave of absence ends if You do not return to
Active Work on such date.
Rules for When Insurance Takes Effect if You were Not Insured Under the Prior Plan on the Day
Before the Replacement Date:
 You will be eligible for Disability Income Insurance under this certificate when you meet the eligibility
requirements for such insurance as described in ELIGIBILITY PROVISIONS: INSURANCE FOR YOU;
and
 We will credit any time You accumulated under the Prior Plan toward the eligibility waiting period under
the Prior Plan to the satisfaction of the eligibility waiting period required to be met under this certificate. 
SPECIAL RULES FOR GROUPS PREVIOUSLY INSURED UNDER A PLAN OF
DISABILITY INCOME INSURANCE (continued)
GCERT2000 27
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Rules for Temporary Recovery from a Disability under the Prior Plan
We will waive the Elimination Period that would otherwise apply to a Disability under this certificate if You:
 received benefits for a disability that began under the Prior Plan (“Prior Plan’s disability”);
 returned to work as an active full-time employee prior to the Replacement Date;
 become Disabled, as defined in this certificate, after the Replacement Date and within 90 days of Your
return to work due to a sickness or accidental injury that is the same as or related to the Prior Plan’s
disability;
 are no longer entitled to benefit payments for the Prior Plan’s disability since You are no longer insured
under such Plan; and
 would have been entitled to benefit payments with no further elimination period under the Prior Plan, had
it remained in force. 
CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT
GCERT2000 28
coi-eport
FOR FAMILY AND MEDICAL LEAVE
Certain leaves of absence may qualify for continuation of insurance under the Family and Medical Leave Act
of 1993 (FMLA), or other legally mandated leave of absence or similar laws. Please contact the Policyholder
for information regarding such legally mandated leave of absence laws.
AT THE POLICYHOLDER’S OPTION
The Policyholder has elected to continue insurance by paying premiums for employees who are not Disabled
and cease Active Work in an eligible class for any of the reasons specified below.
Disability Income Insurance will continue for the following periods:
1. for the period You cease Active Work in an eligible class due to injury or sickness, up to 3 months;
2. for the period You cease Active Work in an eligible class due to layoff, up to the end of the month in which
the layoff begins;
3. for the period You cease Active Work in an eligible class due to any other Policyholder approved leave of
absence, up to 6 months.
For purposes of this provision, leave of absence does not include a furlough. Furlough means an
employer-mandated leave of absence.
At the end of any of the continuation periods listed above, Your insurance will be affected as follows:
● if You resume Active Work in an eligible class at this time, You will continue to be insured under the
Group Policy;
● if You do not resume Active Work in an eligible class at this time, Your employment will be considered to
end and Your insurance will end in accordance with the DATE YOUR INSURANCE ENDS subsection of
the section entitled ELIGIBILITY PROVISIONS: INSURANCE FOR YOU. 
EVIDENCE OF INSURABILITY
GCERT2000 29
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No evidence of insurability is required for the insurance described in this certificate. 
DISABILITY INCOME INSURANCE: SHORT TERM BENEFITS
GCERT2000
di/std
30
If You become Disabled while insured, Proof of Disability must be sent to Us. When We receive such Proof,
We will review the claim. If We approve the claim, We will pay the Weekly Benefit up to the Maximum Benefit
Period shown in the SCHEDULE OF BENEFITS, subject to the Date Benefit Payments End section.
To verify that You continue to be Disabled without interruption after Our initial approval of the Disability claim,
We may periodically request that You send Us Proof that You continue to be Disabled. Such Proof may
include physical exams, exams by independent medical examiners, in-home interviews, or functional capacity
exams, as needed.
While You are Disabled, the Weekly Benefits described in this certificate will not be affected if:
 Your insurance ends; or
 the Group Policy is amended to change the plan of benefits for Your class.
BENEFIT PAYMENT
If We approve Your claim, benefits will begin to accrue on the day after the day You complete Your
Elimination Period. We will pay the first Weekly Benefit one week after the date benefits begin to accrue. We
will make subsequent payments weekly thereafter so long as You remain Disabled. Payment will be based on
the number of days You are Disabled during each week. For any partial week of Disability, payment will be
made at the daily rate of 1/7th of the Weekly Benefit payable.
We will pay Weekly Benefits to You. If You die, We will pay the amount of any due and unpaid benefits as
described in the GENERAL PROVISIONS subsection entitled Disability Income Benefit Payments: Who We
Will Pay.
RECOVERY FROM A DISABILITY
For purposes of this subsection, the term Active Work only includes those days You actually work.
The provisions of this subsection will not apply if Your insurance has ended and You are eligible for coverage
under another group short term disability plan.
If You Return to Active Work Before Completing Your Elimination Period
If You return to Active Work before completing Your Elimination Period and then become Disabled, You will
have to complete a new Elimination Period.
If You Return to Active Work After Completing Your Elimination Period
If You return to Active Work after You begin to receive Weekly Benefits, We will consider You to have
recovered from Your Disability.
If You return to Active Work for a period of 30 days or less, and then become Disabled again due to the same
or related Sickness or accidental injury, We will not require You to complete a new Elimination Period. For the
purpose of determining Your benefits, We will consider such Disability to be a part of the original Disability
and will use the same Predisability Earnings and apply the same terms, provisions and conditions that were
used for the original Disability.
REHABILITATION INCENTIVES
Rehabilitation Program Incentive
If You participate in a Rehabilitation Program, We will increase Your Weekly Benefit by an amount equal to
10% of the Weekly Benefit. We will do so before We reduce Your Weekly Benefit by any Other Income. 
DISABILITY INCOME INSURANCE: SHORT TERM BENEFITS (continued)
GCERT2000
di/std
31
Work Incentive
If You work while You are Disabled and receiving Weekly Benefits, Your Weekly Benefit will be adjusted as
follows:
 Your Weekly Benefit will be increased by Your Rehabilitation Program Incentive, if any; and
 reduced by Other Income as defined in the DISABILITY INCOME INSURANCE: INCOME WHICH WILL
REDUCE YOUR DISABILITY BENEFIT section.
Your Weekly Benefit as adjusted above will not be reduced by the amount You earn from working, except to
the extent that such adjusted Weekly Benefit plus the amount You earn from working and the income You
receive from Other Income exceeds 100% of Your Predisability Earnings as calculated in the definition of
Disability. In addition, the Minimum Weekly Benefit will not apply.
Family Care Incentive
If You work or participate in a Rehabilitation Program while You are Disabled, We will reimburse You for up to
$100 for weekly expenses You incur for each family member to provide:
 care for Your or Your Spouse’s or Domestic Partner’s child, legally adopted child, or child for whom You
or Your Spouse or Domestic Partner are legal guardian and who is:
 living with You as part of Your household;
 dependent on You for support; and
 under age 13.
The child care must be provided by a licensed child care provider who may not be a member of Your
immediate family or living in Your residence.
 care to Your family member who is:
 living with You as part of Your household;
 chiefly dependent on You for support; and
 incapable of independent living, regardless of age, due to mental or physical handicap as defined by
applicable law.
Care to Your family member may not be provided by a member of Your immediate family.
We will make reimbursement payments to You on a weekly basis starting with the 4th Weekly Benefit
payment. Payments will not be made beyond the Maximum Benefit Period. We will not reimburse You for any
expenses for which You are eligible for payment from any other source. You must send Proof that You have
incurred such expenses.
Moving Expense Incentive
If You participate in a Rehabilitation Program while You are Disabled, We may reimburse You for expenses
You incur in order to move to a new residence recommended as part of such Rehabilitation Program. Such
expenses must be approved by Us in advance.
You must send Proof that You have incurred such expenses for moving.
We will not reimburse You for such expenses if they were incurred for services provided by a member of Your
immediate family or someone who is living in Your residence. 
DISABILITY INCOME INSURANCE: INCOME WHICH WILL REDUCE YOUR
DISABILITY BENEFIT
GCERT2000
di/red as amended by GCR17-10 nypfl
32
We will reduce Your Disability benefit by the amount of all Other Income. Other Income includes the following:
1. any disability or retirement benefits which You receive because of Your disability or retirement under:
 any pension or disability plan of any other nation or political subdivision thereof.
2. any income received for disability or retirement under the Policyholder’s Retirement Plan, to the extent
that it can be attributed to the Policyholder’s contributions;
3. any income received for disability under:
 a group insurance policy to which the Policyholder has made a contribution, such as:
 benefits for loss of time from work due to disability;
 installment payments for permanent total disability;
 a government compulsory benefit plan or program which provides payment for loss of time from Your
job due to Your disability, whether such payment is made directly by the plan or program, or through
a third party;
 a self-funded plan, or other arrangement if the Policyholder contributes toward it or makes payroll
deductions for it;
 any sick pay, vacation pay or other salary continuation that the Policyholder pays to You;
 unemployment insurance law or program;
 any income that You receive from working while Disabled to the extent that such income reduces the
amount of Your Weekly Benefit as described in REHABILITATION INCENTIVES. This includes but is
not limited to salary, commissions, overtime pay, bonus or other extra pay arrangements from any
source;
4. any government compulsory paid family leave program;
5. any employer sponsored paid family leave program.
SINGLE SUM PAYMENT
If You receive Other Income in the form of a single sum payment, You must, within 10 days after receipt of
such payment, give Written Proof satisfactory to Us of:
 the amount of the single sum payment;
 the amount to be attributed to income replacement; and
 the time period for which the payment applies.
When We receive such Proof, We will adjust the amount of Your Disability benefit.
If We do not receive the Written Proof described above, and We know the amount of the single sum payment,
We may reduce Your Disability benefit by an amount equal to such benefit until the single sum has been
exhausted.
If We adjust the amount of Your Disability benefit due to a single sum payment, the amount of the adjustment
will not result in a benefit amount less than the minimum amount, except in the case of an Overpayment.
If You receive Other Income in the form of a single sum payment and We do not receive the Written Proof
described above within 10 days after You receive the single sum payment, We will adjust the amount of Your
Disability Benefit by the amount of such payment. 
DISABILITY INCOME INSURANCE: INCOME WHICH WILL NOT REDUCE YOUR
DISABILITY BENEFIT
GCERT2000
di/no red 33
We will not reduce Your Disability benefit to less than the Minimum Benefit shown in the SCHEDULE OF
BENEFITS, or by:
 cost of living adjustments that are paid under any of the above sources of Other Income;
 reasonable attorney fees included in any award or settlement;
 group credit insurance;
 mortgage disability insurance benefits;
 early retirement benefits that have not been voluntarily taken by You;
 veteran’s benefits;
 individual disability income insurance policies;
 benefits received from an accelerated death benefit payment; or
 amounts rolled over to a tax qualified plan unless subsequently received by You while You are receiving
benefit payments. 
DISABILITY INCOME INSURANCE: DATE BENEFIT PAYMENTS END
GCERT2000
di/ben end 34
Your Disability benefit payments will end on the earliest of:
 the end of the Maximum Benefit Period;
 the date You are no longer Disabled;
 the date You die;
 the date You cease or refuse to participate in a Rehabilitation Program that We require;
 the date You fail to have a medical exam requested by Us as described in the Physical Exams subsection
of the GENERAL PROVISIONS section;
 the date You fail to provide required Proof of continuing Disability.
While You are Disabled, the benefits described in this certificate will not be affected if:
 Your insurance ends; or
 the Group Policy is amended to change the plan of benefits for Your class. 
DISABILITY INCOME INSURANCE
GCERT2000
di/std/organ
35
ADDITIONAL SHORT TERM BENEFIT: ORGAN DONOR
If You become Disabled as a result of an Organ Transplant Procedure while insured, Proof of the Disability
must be sent to Us. When We receive such Proof, We will review the claim. If We approve the claim, We will
pay the Organ Donor benefit shown below.
If We pay this benefit, You will not have to complete an Elimination Period.
BENEFIT AMOUNT
We will increase Your Weekly Benefit by an additional amount equal to 10% of Your Weekly Benefit. This
increase will be applied to the first Weekly Benefit payment and continue while You remain Disabled, up to
the Maximum Benefit Period. 
DISABILITY INCOME INSURANCE: LIMITED DISABILITY BENEFITS
GCERT2000
di/limited ben 36
For Occupational Disabilities
We will not pay benefits for any Disability:
 which happens in the course of any work performed by You for wage or profit; or
 for which You are eligible to receive under workers’ compensation or a similar law. 
DISABILITY INCOME INSURANCE: EXCLUSIONS
GCERT2000 37
di/excl 12/07

We will not pay for any Disability caused or contributed to by:
1. war, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act;
2. Your active participation in a riot;
3. intentionally self-inflicted injury;
4. attempted suicide; or
5. commission of or attempt to commit or taking part in a felony.
We will not pay any benefits for a Disability during any period of time that You are confined in any penal or
correctional institute.
We will not pay Short Term Benefits for any Disability caused or contributed to by elective treatment or
procedures, such as:
1. cosmetic surgery or treatment primarily to change appearance;
2. reversal of sterilization;
3. liposuction;
4. visual correction surgery; and
5. in vitro fertilization; embryo transfer procedure; or artificial insemination.
However, pregnancies and complications from any of these procedures will be treated as a Sickness. 
FILING A DISABILITY INCOME INSURANCE CLAIM
GCERT2000
dis claim 38
The Policyholder should have a supply of claim forms. Obtain a claim form from the Policyholder and fill it out
carefully. Return the completed claim form with the required Proof to the Policyholder.
If You are unable to report for Active Work due to a Sickness or accidental injury, and You think that You may
be Disabled, You should contact MetLife or Your benefits representative to initiate a claim. We recommend
that You do so no later than 14 days after the first day You are unable to report for Active Work so that Your
claim can be processed in a timely manner.
When You file an initial claim for Disability Income Insurance benefits described in this certificate, both the
notice of claim and the required Proof should be sent to Us within 90 days after the end of the Elimination
Period.
Notice of claim and Proof for Disability Income Insurance may also be given to Us by following the steps set
forth below:
Step 1
You may give Us notice by calling Us at the toll free number shown in the Certificate Face Page within 20
days of the date of a loss.
Step 2
We will send a claim form to You and explain how to complete it. You should receive the claim form within 15
days of giving Us notice of claim.
Step 3
When You receive the claim form You should fill it out as instructed and return it with the required Proof
described in the claim form. If You do not receive a claim form within 15 days after giving Us notice of claim,
Proof may be sent using any form sufficient to provide Us with the required Proof.
Step 4
You must give Us Proof not later than 90 days after the end of the Elimination Period.
If notice of claim or Proof is not given within the time limits described in this section, the delay will not cause a
claim to be denied or reduced if such notice and Proof are given within 90 days after the end of the
Elimination Period or if it is not reasonably possible to give notice of claim or Proof within such period, they
are given as soon as is reasonably possible thereafter.
Items to be Submitted for a Disability Income Insurance Claim
When submitting Proof on an initial or continuing claim for Disability Income insurance, the following items
may be required:
● documentation which must include, but is not limited to, the following information:
● the date Your Disability started;
● the cause of Your Disability;
● the prognosis of Your Disability;
● the continuity of Your Disability; and
● Your application for:
● Other Benefit Sources;
● Federal Social Security disability benefits; and
● Workers compensation benefits or benefits under a similar law.
 
FILING A DISABILITY INCOME INSURANCE CLAIM
 (continued)
GCERT2000
dis claim 39
● Written authorization for Us to obtain and release medical, employment and financial information and
any other items We may reasonably require to document Your Disability or to determine Your receipt
of or eligibility for Other Benefit Sources;
● any and all medical information, including but not limited to:
● x-ray films; and
● photocopies of medical records, including:
● histories,
● physical, mental or diagnostic examinations; and
● treatment notes; and
● the names and addresses of all:
● physicians and medical practitioners who have provided You with diagnosis, treatment or
consultation;
● hospitals or other medical facilities which have provided You with diagnosis, treatment or
consultation;
● pharmacies which have filled Your prescriptions within the past three years; and
● additional proof elements as required and described within the additional plan provisions for
which you are filing a claim for benefits.
Time Limit on Legal Actions. A legal action on a claim may only be brought against Us during a certain
period. This period begins 60 days after the date Proof is filed and ends 3 years after the date such Proof is
required. 
GENERAL PROVISIONS
GCERT2000
gp 10/04 40
Assignment
The rights and benefits under the Group Policy are not assignable prior to a claim for benefits, except as
required by law. We are not responsible for the validity of an assignment.
Disability Income Benefit Payments: Who We Will Pay
We will make any benefit payments during Your lifetime to You or Your legal representative as Beneficiary.
Any payment made in good faith will discharge Us from liability to the extent of such payment.
Upon Your death, We will pay any amount that is or becomes due to Your designated Beneficiary. If there is
no Beneficiary designated or no surviving designated Beneficiary at Your death, We may determine the
Beneficiary for any amount that is or becomes due, according to the following order:
1. Your Spouse or Domestic Partner, if alive;
2. Your child(ren), if there is no surviving Spouse or Domestic Partner;
3. Your parent(s), if there is no surviving child(ren);
4. Your sibling(s), if there is no surviving parent(s);
5. Your estate, if there is no such surviving sibling(s).
If more than one person is eligible to receive payment, We will divide the benefit amount in equal shares.
Payment to a minor or incompetent will be made to such person’s guardian. The term “children” or “child”
includes natural and adopted children.
Any periodic payments owed to Your estate may be paid in a single sum.
Entire Contract
Your insurance is provided under a contract of group insurance with the Policyholder. The entire contract with
the Policyholder is made up of the following:
1. the Group Policy and its Exhibits, which include the certificate(s);
2. the Policyholder's application, attached to the Group Policy; and
3. any amendments and/or endorsements to the Group Policy.
Incontestability: Statements Made by You
Any statement made by You will be considered a representation and not a warranty. We will not use such
statement to avoid insurance, reduce benefits or defend a claim unless the following requirements are met:
1. the statement is in a Written application or enrollment form;
2. You have Signed the application or enrollment form; and
3. a copy of the application or enrollment form has been given to You, Your Beneficiary or Your personal
representative.
Misstatement of Age
If Your age is misstated, the correct age will be used to determine if insurance is in effect and, as appropriate,
We will adjust the benefits and/or premiums.
 
GENERAL PROVISIONS (continued)
GCERT2000
gp 10/04 41
Conformity with Law
If the terms and provisions of this certificate do not conform to any applicable law, this certificate shall be
interpreted to so conform.
Physical Exams
If a claim is submitted for insurance benefits, We have the right to ask the insured to be examined by a
Physician(s) of Our choice as often as is reasonably necessary to process the claim. We will pay the cost of
such exam.
Autopsy
We have the right to make a reasonable request for an autopsy where permitted by law. Any such request
will set forth the reasons We are requesting the autopsy.
Overpayments for Disability Income Insurance
Recovery of Overpayments
We have the right to recover any amount that We determine to be an overpayment.
An overpayment occurs if We determine that:
 the total amount paid by Us on Your claim is more than the total of the benefits due to You under this
certificate; or
 payment We made should have been made by another group plan.
If such overpayment occurs, You have an obligation to reimburse Us. Our rights and Your obligations in this
regard are described in the reimbursement agreement that You are required to sign when You submit a claim
for benefits under this certificate. This agreement:
 confirms that You will reimburse Us for all overpayments; and
 authorizes Us to obtain any information relating to sources of Other Income.
How We Recover Overpayments
We may recover the overpayment from You by:
 stopping or reducing any future Disability benefits, including the Minimum Benefit, payable to You or any
other payee under the Disability sections of this certificate;
 demanding an immediate refund of the overpayment from You; and
 taking legal action.
If the overpayment results from Our having made a payment to You that should have been made under
another group plan, We may recover such overpayment from one or more of the following:
 any other insurance company;
 any other organization; or
 any person to or for whom payment was made.
 
GENERAL PROVISIONS (continued)
GCERT2000
gp 10/04 42
Lien and Repayment
If You become Disabled and You receive Disability benefits under this certificate and You receive payment
from a third party for loss of income with respect to the same loss of income for which You received benefits
under this certificate (for example, a judgment, settlement, payment from Federal Social Security or payment
pursuant to Workers’ Compensation laws), You shall reimburse Us from the proceeds of such payment up to
an amount equal to the benefits paid to You under this certificate for such Disability. Our right to receive
reimbursement from any such proceeds shall be a claim or lien against such proceeds and Our right shall
provide Us with a first priority claim or lien over any such proceeds up to the full amount of the benefits paid to
You under this certificate for such Disability. You agree to take all action necessary to enable Us to exercise
Our rights under this provision, including, without limitation:
 notifying Us as soon as possible of any payment You receive or are entitled to receive from a third party
for loss of income with respect to the same loss of income for which You received benefits under this
certificate;
 furnishing of documents and other information as requested by Us or any person working on Our behalf;
and
 holding in escrow, or causing Your legal representative to hold in escrow, any proceeds paid to You or
any party by a third party for loss of income with respect to the same loss of income for which You
received benefits under this certificate, up to an amount equal to the benefits paid to You under this
certificate for such Disability, to be paid immediately to Us upon Your receipt of said proceeds.
You shall cooperate and You shall cause Your legal representative to cooperate with Us in any recovery
efforts and You shall not interfere with Our rights under this provision. Our rights under this provision apply
whether or not You have been or will be fully compensated by a third party for any Disability for which You
received or are entitled to receive benefits under this certificate. 
THE PRECEDING PAGE IS THE END OF THE CERTIFICATE.
THE FOLLOWING IS ADDITIONAL INFORMATION.
SPECIAL SERVICES
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 the national 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/Accommodations
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.
Return to Work Program Staff
The Case Manager handling your claim will coordinate return to work services. You may be referred to a
clinical specialist, such as a Nurse Consultant, Psychiatric Clinical Specialist, or Vocational Rehabilitation
Consultant, who has advanced training and education to help people with disabilities return to work. One of
our clinical specialists will work with you directly, as well as with local support services and resources. They
have returned hundreds of individuals to meaningful, gainful employment. 
SPECIAL SERVICES
Rehabilitation Vendor Specialists
In many situations, the services of independent vocational rehabilitation specialists may be utilized. Services
are obtained at no additional cost to you; MetLife pays for all vendor services. Selecting a rehabilitation
vendor is based on:
1. attending physician’s evaluation and recommendations;
2. your individual vocational needs; and
3. vendor’s credentials, specialty, reputation and experience.
When working with vendors, we continue to collaborate with you and your doctor to develop an appropriate
return to work plan.
Premium Deduction Service
As a service to you while you are disabled, MetLife will assist you by reducing the administrative burden of
deducting premium payments for insurance coverage(s), other than your disability income insurance with
MetLife (Other Coverage), that are part of your policyholder's insurance program for you.
We will do this by deducting from either your weekly or monthly benefit, as applicable, payable to you under
the disability income insurance plan that your policyholder has with MetLife, the required premium amounts
for Other Coverage for which you were enrolled under your policyholder's insurance plan immediately prior to
the start of your disability. Your policyholder will notify MetLife of the amount of your required premium
payments that MetLife is to deduct for such Other Coverage. MetLife will then pay this amount to your
policyholder to be applied toward the premium payments required for such Other Coverage when due, subject
to the following terms and conditions:
The amount of premium we deduct from your disability income benefit and then pay to your policyholder, may
be:
 Increased, if there are increases in the amount of premium due for Other Coverage(s) that you are
enrolled in, and, your policyholder notifies us of such increases;
 Reduced or terminated upon a request from you or your policyholder; or,
 Terminated by MetLife upon the earliest of:
 30 days advanced notice to you;
 your return to work;
 notification to us of the termination of your employment; or,
 your disability income benefits end date.
In no event will any payment be made to your policyholder under the above described service, if the amount
of either the weekly or monthly benefit, as applicable, payable to you under the MetLife disability income
insurance plan is less than the amount of the applicable premium payroll deductions.
Your Employer will be solely responsible for remitting the amount of premium payments for Other
Coverage(s) received from MetLife to the appropriate party or parties.

If while you are Disabled, You do not want MetLife to deduct the premium for Other Coverage as described
above, you must notify MetLife of your intention. When we receive your notice, we will stop making premium
deductions for Other Coverage(s). 
CPN–Initial Enr/SOH and SBR CPN–SBR
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Metropolitan Life Insurance Company
Metropolitan Tower Life Insurance Company
SafeGuard Health Plans, Inc.
Delaware American Life Insurance Company
MetLife Health Plans, Inc.
SafeHealth Life Insurance Company
Our Privacy Notice
We know that you buy our products and services because you trust us. This notice explains how we protect your privacy
and treat your personal information. It applies to current and former customers. “Personal information” as used here
means anything we know about you personally.
1.Plan Sponsors and Group Insurance Contract Holders
This privacy notice is for individuals who apply for or obtain our products and services under an employee benefit plan,
group insurance or annuity contract, or as an executive benefit. In this notice, “you” refers to these individuals.
2.Protecting Your Information
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take
care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also
protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized
access. We comply with all laws that apply to us.
3.Collecting Your Information
We typically collect your name, address, age, and other relevant information. We may also collect information about any
business you have with us, our affiliates, or other companies. Our affiliates include life, car, and home insurers. They also
include a legal plans company, and a securities broker-dealer. In the future, we may also have affiliates in other
businesses.
4.How We Get Your Information
We get your personal information mostly from you. We may also use outside sources to help ensure our records are
correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions,
adult relatives, and others. These sources may give us reports or share what they know with others. We don’t control the
accuracy of information outside sources give us. If you want to make any changes to information we receive from others
about you, you must contact those sources.
We may ask for medical information. The Authorization that you sign when you request insurance permits these sources
to tell us about you. We may also, at our expense:
 Ask for a medical exam  Ask for blood and urine tests
 Ask health care providers to give us health data, including information about alcohol or drug abuse
We may also ask a consumer reporting agency for a “consumer report” about you (or anyone else to be insured).
Consumer reports may tell us about a lot of things, including information about:
 Reputation  Driving record  Finances
 Work and work history  Hobbies and dangerous activities
The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency
will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you
write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and
phone number of the consumer reporting agency.
Another source of information is MIB Group, Inc. (“MIB”). It is a non-profit association of life insurance companies. We and
our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another
member of MIB, or claim benefits from another member company, MIB will give that company any information that it has
about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its
information about you. You may do so by writing to MIB, Inc., 50 Braintree Hill, Suite 400, Braintree, MA 02184-8734, by
calling MIB at (866) 692-6901, or by contacting MIB at www.mib.com.
5.Using Your Information
We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it
to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what 
CPN–Initial Enr/SOH and SBR CPN–SBR
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products and services you have or want from us. It also depends on what laws apply to those products and services. For
example, we may also use your information to:
 administer your products and services  process claims and other transactions
 perform business research  confirm or correct your information
 market new products to you  help us run our business
 comply with applicable laws
6.Sharing Your Information With Others
We may share your personal information with others with your consent, by agreement, or as permitted or required by law.
We may share your personal information without your consent if permitted or required by law. For example, we may share
your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated
business partners through joint marketing agreements. In those situations, we share your information to jointly offer you
products and services or have others offer you products and services we endorse or sponsor. Before sharing your
information with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and
give you an opportunity to opt out.
Other reasons we may share your information include:
 doing what a court, law enforcement, or government agency requires us to do (for example, complying with
search warrants or subpoenas)
 telling another company what we know about you if we are selling or merging any part of our business
 giving information to a governmental agency so it can decide if you are eligible for public benefits
 giving your information to someone with a legal interest in your assets (for example, a creditor with a lien on
your account)
 giving your information to your health care provider
 having a peer review organization evaluate your information, if you have health coverage with us
 those listed in our “Using Your Information” section above
7.HIPAA
We will not share your health information with any other company – even one of our affiliates – for their own marketing
purposes. The Health Insurance Portability and Accountability Act (“HIPAA”) protects your information if you request or
purchase dental, vision, long-term care and/or medical insurance from us. HIPAA limits our ability to use and disclose the
information that we obtain as a result of your request or purchase of insurance. Information about your rights under HIPAA
will be provided to you with any dental, vision, long-term care or medical coverage issued to you.
You may obtain a copy of our HIPAA Privacy Notice by visiting our website at www.MetLife.com. For additional
information about your rights under HIPAA; or to have a HIPAA Privacy Notice mailed to you, contact us at
<PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>, or call us at telephone number <PRESIDIO_ANONYMIZED_PHONE_NUMBER>.
8.Accessing and Correcting Your Information
You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is
reasonably locatable and retrievable. You must make your request in writing listing the account or policy numbers with the
information you want to access. For legal reasons, we may not show you privileged information relating to a claim or
lawsuit, unless required by law.
If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records.
Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed
information to anyone outside MetLife.
9.Questions
We want you to understand how we protect your privacy. If you have any questions or want more information about this
notice, please contact us. When you write, include your name, address, and policy or account number.
Send privacy questions to:
MetLife Privacy Office
P. O. Box 489
Warwick, RI 02887-9954
<PRESIDIO_ANONYMIZED_EMAIL_ADDRESS>
We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide
this privacy notice to you on behalf of the MetLife companies listed at the top of the first page. 
THIS SUMMARY PLAN DESCRIPTION IS EXPRESSLY MADE PART OF THE CGI
TECHNOLOGIES & SOLUTIONS, INC. DISABILITY INSURANCE PLAN AND IS LEGALLY
ENFORCEABLE AS PART OF THE PLAN WITH RESPECT TO ITS TERMS AND
CONDITIONS. IN THE EVENT THERE IS NO OTHER PLAN DOCUMENT, THIS
DOCUMENT SHALL SERVE AS A SUMMARY PLAN DESCRIPTION AND SHALL ALSO
CONSTITUTE THE PLAN.
ERISA INFORMATION
NAME AND ADDRESS OF EMPLOYER AND PLAN ADMINISTRATOR
CGI Technologies & Solutions, Inc.
11325 Randon Hills Road
Fairfax, VA 22030
703-267-2103
EMPLOYER IDENTIFICATION NUMBER: 54-0856778
PLAN NUMBER COVERAGE PLAN NAME
501 Disability Income Insurance:
Short Term Benefits
CGI Technologies and Solutions,
Inc.
TYPE OF ADMINISTRATION
The above listed benefits are insured by Metropolitan Life Insurance Company ("MetLife").
MetLife is liable for any benefits under the Plan. The group policy specifies the time when and the circumstances
under which MetLife is liable for Disability Income Insurance: Short Term Benefits.
AGENT FOR SERVICE OF LEGAL PROCESS
For disputes arising under the Plan, service of legal process may be made upon the Plan Administrator at the
above address. For disputes arising under those portions of the Plan insured by MetLife, service of legal
process may be made upon MetLife at one of its local offices, or upon the supervisory official of the Insurance
Department in the state in which you reside.
ELIGIBILITY FOR INSURANCE; DESCRIPTION OR SUMMARY OF BENEFITS
Your MetLife certificate describes the eligibility requirements for insurance provided by MetLife under the
Plan. It also includes a detailed description of the insurance provided by MetLife under the Plan.
PLAN TERMINATION OR CHANGES
The group policy sets forth those situations in which the Employer and/or MetLife have the rights to end the
policy.
The Employer reserves the right to change or terminate the Plan at any time. Therefore, there is no guarantee
that you will be eligible for the insurance described herein for the duration of your employment. Any such action
will be taken only after careful consideration.
Your consent or the consent of your beneficiary is not required to terminate, modify, amend, or change the Plan.
In the event Your insurance ends in accordance with the DATE YOUR INSURANCE ENDS subsection of Your
certificate, you may still be eligible to receive benefits. The circumstances under which benefits are available
are described in Your MetLife certificate. 
PLAN YEAR
The Plan's fiscal records are kept on a Plan year basis beginning each January 1st and ending on the following
December 31st.
CLAIMS INFORMATION
Disability Benefits Claims
Routine Questions
If there is any question about a claim payment, an explanation may be requested from the Employer who is
usually able to provide the necessary information.
Claim Submission
For claims for disability benefits, the claimant must report the claim to MetLife and, if requested, complete the
appropriate claim form. The claimant must also submit the required proof as described in the "Filing A Claim"
section of the certificate.
Claim forms requested by MetLife must be submitted in accordance with the instructions on the claim form.
Initial Determination
After you submit a claim for disability benefits to MetLife, MetLife will review your claim and notify you of its
decision to approve or deny your claim.
Such notification will be provided to you within a reasonable period, not to exceed 45 days from the date you
submitted your claim; except for situations requiring an extension of time because of matters beyond the control
of the Plan, in which case MetLife may have up to two (2) additional extensions of 30 days each to provide you
such notification. If MetLife needs an extension, it will notify you prior to the expiration of the initial 45 day
period (or prior to the expiration of the first 30 day extension period if a second 30 day extension period is
needed), state the reason why the extension is needed, and state when it will make its determination. If an
extension is needed because you did not provide sufficient information or filed an incomplete claim, the time
from the date of MetLife's notice requesting further information and an extension until MetLife receives the
requested information does not count toward the time period MetLife is allowed to notify you as to its claim
decision. You will have 45 days to provide the requested information from the date you receive the extension
notice requesting further information from MetLife.
If MetLife denies your claim in whole or in part, the notification of the claims decision will state the reason why
your claim was denied and reference the specific Plan provision(s) on which the denial is based. If the claim is
denied because MetLife did not receive sufficient information, the claims decision will describe the additional
information needed and explain why such information is needed.
Appealing the Initial Determination
If MetLife denies your claim, you may appeal the decision. Upon your written request, MetLife will provide you
free of charge with copies of documents, records and other information relevant to your claim. You must submit
your appeal to MetLife at the address indicated on the claim form within 180 days of receiving MetLife's decision.
Appeals must be in writing and must include at least the following information:
 Name of Employee
 Name of the Plan
 Reference to the initial decision
 An explanation why you are appealing the initial determination
As part of your appeal, you may submit any written comments, documents, records, or other information relating
to your claim. 
After MetLife receives your written request appealing the initial determination, MetLife will conduct a full and
fair review of your claim. Deference will not be given to the initial denial, and MetLife's review will look at the
claim anew. The review on appeal will take into account all comments, documents, records, and other
information that you submit relating to your claim without regard to whether such information was submitted or
considered in the initial determination. The person who will review your appeal will not be the same person as
the person who made the initial decision to deny your claim. In addition, the person who is reviewing the appeal
will not be a subordinate of the person who made the initial decision to deny your claim. If the initial denial is
based in whole or in part on a medical judgment, MetLife will consult with a health care professional with
appropriate training and experience in the field of medicine involved in the medical judgment. This health care
professional will not have consulted on the initial determination, and will not be a subordinate of any person
who was consulted on the initial determination.
MetLife will notify you in writing of its final decision within a reasonable period of time, but no later than 45 days
after MetLife's receipt of your written request for review, except that under special circumstances MetLife may
have up to an additional 45 days to provide written notification of the final decision. If such an extension is
required, MetLife will notify you prior to the expiration of the initial 45 day period, state the reason(s) why such
an extension is needed, and state when it will make its determination. If an extension is needed because you
did not provide sufficient information, the time period from MetLife's notice to you of the need for an extension
to when MetLife receives the requested information does not count toward the time MetLife is allowed to notify
you of its final decision. You will have 45 days to provide the requested information from the date you receive
the notice from MetLife.
If MetLife denies the claim on appeal, MetLife will send you a final written decision that states the reason(s)
why the claim you appealed is being denied and references any specific Plan provision(s) on which the denial
is based. Upon written request, MetLife will provide you free of charge with copies of documents, records and
other information relevant to your claim.
Discretionary Authority of Plan Administrator and Other Plan Fiduciaries
In carrying out their respective responsibilities under the Plan, the Plan Administrator and other Plan fiduciaries
shall have discretionary authority to interpret the terms of the Plan and to determine eligibility for and entitlement
to Plan benefits in accordance with the terms of the Plan. Any interpretation or determination made pursuant to
such discretionary authority shall be given full force and effect, unless it can be shown that the interpretation or
determination was arbitrary and capricious.
STATEMENT OF ERISA RIGHTS
The following statement is required by federal law and regulation.
As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement
Income Security Act of 1974 (ERISA). ERISA provides that all participants shall be entitled to:
Receive Information About Your Plan and Benefits
Examine, without charge, at the Plan Administrator's office and at other specified locations, all Plan documents,
including insurance contracts and a copy of the latest annual report (Form 5500 Series) filed by the Plan with
the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security
Administration.
Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the
Plan, including insurance contracts and copies of the latest annual report (Form 5500 Series) and updated
summary plan description. The administrator may make a reasonable charge for the copies.
Receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to furnish
each participant with a copy of this summary annual report.
 
Prudent Actions by Plan Fiduciaries
In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible
for the operation of the employee benefit Plan. The people who operate your Plan, called "fiduciaries" of the
Plan, have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries.
No one, including your employer or any other person, may fire you or otherwise discriminate against you in any
way to prevent you from obtaining a welfare benefit or exercising your rights under ERISA.
Enforce Your Rights
If your claim for a welfare benefit is denied or ignored in whole or in part, you have a right to know why this was
done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within
certain time schedules.
Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of
Plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file
suit in a Federal court. In such a case, the court may require the Plan Administrator to provide the materials
and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of
reasons beyond the control of the administrator. If you have a claim for benefits which is denied or ignored, in
whole or in part, you may file suit in a state or Federal court.
If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting
your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court.
The court will decide who should pay court costs and legal fees. If you are successful, the court may order the
person you have sued to pay these costs and fees.
If you lose, the court may order you to pay these costs and fees; for example, if it finds your claim is frivolous.
Assistance with Your Questions
If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions
about this statement or about your rights under ERISA, or if you need assistance in obtaining documents from
the Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration,
U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and
Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W.,
Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under
ERISA by calling the publications hotline of the Employee Benefits Security Administration.
FUTURE OF THE PLAN
It is hoped that This Plan will be continued indefinitely, but CGI Technologies & Solutions, Inc. reserves the
right to change or terminate the Plan in the future. Any such action would be taken only after careful
consideration.
The Board of Directors of CGI Technologies & Solutions, Inc. shall be empowered to amend or terminate the
Plan or any benefit under the Plan at any time.