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Long-Term Disability Insurance Plan Rate Chart

Member Rate Chart
Schedule of Quarterly Premiums
Rates Effective May 1, 1998

Schedule of Premium With COLA Per $100
Member's Age	60 day	90 day	180 day	365 day
Under 30	$2.03	$0.94	$0.78	$0.65
30-34	2.38	1.16	0.92	0.85
35-39	3.00	1.67	1.22	1.14
40-44	4.64	2.57	1.86	1.74
45-49	7.05	4.04	3.32	3.11
50-54	9.73	6.38	5.71	5.15
55-59	11.45	8.10	7.28	5.68
60-64	10.82	6.32	5.69	5.10
65-69*	12.31	6.79	6.12	5.72
*65 and older for renewal purposes only.

Schedule of Premium Without COLA Per $100
Member's Age	60 day	90 day	180 day	365 day
Under Age 30	$1.97	$0.91	$0.75	$0.63
30-34	2.31	1.13	0.89	0.83
35-39	2.91	1.62	1.19	1.11
40-44	4.51	2.49	1.80	1.69
45-49	6.85	3.92	3.23	3.02
50-54	9.44	6.20	5.54	5.00
55-59	11.11	7.86	7.07	5.52
60-64	10.50	6.14	5.52	4.95
65-69	11.95	6.59	5.94	5.55
*65 and older for renewal purposes only.

Notice: This Coverage Is Not Available To Residents Of Oregon, Guam, Puerto Rico, Virgin Islands, all U.S. Territories, and all foreign countries.
Premiums are based on the member's age when coverage becomes effective. They change on the November 1st coinciding with or next following member's change in age categories as shown. Coverage terminates at age 70.
Future benefits and premiums are subject to change if agreed to by The United States Life Insurance Company and ABE.
Benefits available in increments of $100 up to a maximum of $12,000.
Due to rounding, premiums may differ by pennies when billed.

Spouse Rate Chart

Schedule of Quarterly Premiums
Rates Effective May 1, 1998

Schedule of Premium With COLA Per $100
Spouse Age	90 day Waiting Period	180 day Waiting Period	365 day Waiting Period
Under 30	$1.17	$0.97	$0.82
30-34	1.45	1.15	1.07
35-39	2.09	1.53	1.43
40-44	3.21	2.32	2.18
45-49	5.05	4.16	3.89
50-54	7.98	7.14	6.44
55-59	10.12	9.10	7.10
60-64	7.9	7.11	6.38
65-69*	8.49	7.65	7.15
65 and older for renewal purposes only.

Schedule of Premium Without COLA Per $100
Spouse Age	90 day Waiting Period	180 day Waiting Period	365 day Waiting Period
Under Age 30	1.14	0.94	0.79
30-34	1.41	1.11	1.03
35-39	2.03	1.49	1.39
40-44	3.12	2.25	2.11
45-49	4.90	4.03	3.77
50-54	7.75	6.93	6.25
55-59	9.83	8.84	6.90
60-64	7.67	6.91	6.19
65-69*	8.24	7.43	6.94
*65 and older for renewal purposes only.

Notice: This Coverage Is Not Available To Residents Of Oregon, Guam, Puerto Rico, Virgin Islands, all U.S. Territories, and all foreign countries.

Premiums are based on the spouse's age when coverage becomes effective. They change on the November 1st coinciding with or next following spouse's change in age categories as shown. A member must be insured to insure their spouse. Coverage terminates when member and/or spouse turn age 70, whichever comes first.

Future benefits and premiums are subject to change if agreed to by The United States Life Insurance Company and ABE.

Benefits available in increments of $100 up to a maximum of $5,000. (Spouse benefit cannot exceed 9 times the member's benefit.)

Due to rounding, premiums may differ by pennies when billed.

We will be happy to answer your questions. Just call 1-800-621-8981 or e-mail us at information@abendowment.org