[2] The application judge held that the respondent was entitled to reduce the Long-Term Disability Income (LTD) payments it was making to the appellant, under its Group Insurance Plan as a result of the appellant’s first accident, by the amount of the Non-Earner Benefit (NEB) she was receiving from her own insurer under O. Reg. 34/10 Statutory Accident Benefits Schedule – Effective September 1, 2010 (SABS), as a result of her second accident.