Long-Term Individual Disability Income Insurance

Renewability: Guaranteed renewable to age 67 policy anniversary; conditionally renewable for life if working for pay at least 30 hours per week.

Occupational Classes: 6A, 5A, 4A, 3A, 2A, 1A

Issue Ages: 18-64 (Age Last Birthday)

Elimination Periods: 30, 60, 90, 180, 365 or 730 days

Basic Policy Provisions: Partial Disability Benefit, Presumptive Disability Benefit, Waiver of Premium Benefit, Recurrent Disability Monthly Benefit, Home Modification Benefit, Survivor Benefit, Rehabilitation Benefit, Childbirth Benefit (not included with Accident-Only coverage), Organ Donor Benefit (not included with Accident-Only coverage), List Bill Capability

Riders Available: Benefit Increase Rider, Catastrophic Disability Rider, Cost-of-Living Adjustment Rider, Critical Accident Rider, Enhanced Residual Disability Rider, Guaranteed Insurability Rider, Mental Disorder Rider, Non-Cancelable Rider, Residual Disability Rider, Retroactive Injury Rider, Return of Premium Rider, Stay-at-Home Spouse Disability Income Rider, Supplemental Disability Income Rider