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This coverage provides money to replace loss of earned income while you're totally
disabled from sickness or an accident. Some highlights of the policy:
Worldwide, 24-hour-a-day coverage while on or off the job.
Choose from benefit periods of 2 years, 5 years or to age 65.
Waiting periods available (the number of days before benefits begin)
are 30, 60, 90 or 180 days.
Coverage is guaranteed renewable to age 65.
A non-smoker discount is given to those who have not smoked
cigarettes for 12 months.
Premiums are waived retroactively after 90 consecutive days
of total disability.
An optional Accidental Death and Dismemberment Benefit may
be added for any amount from $10,000 to $100,000.
Premium rates can be changed on a class basis only. Any change will apply to all
policies of this type providing the same coverage and having a common policy form number.
First Day Disability Income Benefit may be added to provide a daily income while hospital
confined. Benefits will be distributed at the end of the elimination period. This benefit
also waives part of the elimination period, equal to the number of days of hospital
confinement.
A partial disability benefit is included at no additional premium. Partial disability must
follow a period of total disability for which benefits were paid. The partial disability
benefit pays one half the monthly benefit paid while totally disabled, for up to 6 months
or until the end of the benefit period, whichever is less.
The odds of a person between ages 35-65 missing more than 90 days of work due to an illness
or injury are one in four.
Contact our office today to learn more about this insurance coverage, and how you can protect
yourself today.
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