Disability Overview

Maximum Benefit - 60% to a maximum Benefit Amount of $2,000

Addtional buy-up of $400 in benefit amount above the $2000 on the annual policy anniversary to a max of $5000 in Monthly Benefit.

Benefit Elimination Periods – 14/14 & 30/30 Days
Benefit Periods options – 6 Months and 12 Months

Eligibility - Working a minimum of 20 hours per week

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• Definition of Disability - Own occupation for the first 2 years

• Pre-Existing Limitation - 12/12

• Mental Illness Coverage - Up to 3 months of benefits paid

• Alcohol/Drug Coverage - Up to 15 days in any 12 month period

• Guaranteed Renewable/Level Premiums - Coverage remains in force up to age 72 as long as premiums are paid and do not increase as the insured gets older

• Portability - This individual policy is the insured’s to keep even if they change jobs or retire

• Terminal Illness Accelerated Benefit - Will pay the remainder of total disability benefit in a lump sum up to 12 months upon diagnosis of a terminal illness