Short-Term Individual Disability Income Insurance

Renewability: Guaranteed renewable to age 65; conditionally renewable to age 75 if employed full time

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

Issue Ages: 18-60 (Age Nearest Birthday)

No income verification

No medical exams

Elimination Periods: 13-week, 26-week, 1-year, 2-year

Basic Policy Provisions: Total Disability Benefit, Partial Disability Benefit, Presumptive Disability Benefit, Waiver of Premium Benefit, Childbirth Benefit (not included with Accident-Only coverage), Organ Donor Benefit (not included with Accident-Only coverage)

Riders Available: Catastrophic Disability Rider, Guaranteed Insurability Rider, Retroactive Injury Rider, Return of Premium Rider, Stay-at-Home Spouse Disability Income Rider