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.