Recommended Plan for
Residents and Fellows
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to request more information or please call us at 484-686-0200
- Own Occupation Definition of Disability (Entire
Benefit Period)
- Total Disability or Totally Disabled means that, solely due to injury or sickness, you are not able to perform the material and substantial duties of your occupation.
- $2,500 - $5,000 monthly benefit, no income documentation**
- $6,500 - $7,500 monthly benefit, no income documentation***
- $7,500 - $12,000 Future Increase Option Rider
- As long as your increased income qualifies for more coverage under the company's issue limits, the future increase option guarantees your right to purchase additional coverage up to a stated age without evidence of insurability.
- Mental/Nervous; Substance Abuse coverage for the entire benefit period
- Cost of Living Adjustment Rider (COLA)
- A cost of living rider will adjust benefits for inflation during a long-term claim.
- Residual Disability Benefit Rider
- Under a residual disability provision an insured receives a percentage of their disability benefit based on the percentage of income loss the sickness or injury has caused.
- Catastrophic Disability Rider (CAT)
- Catastrophic Disability or catastrophically disabled means that, due to injury or sickness, you are: Unable to perform two or more of the activities of daily living without human standby assistance; or Cognitively impaired; or Irrecoverably disabled. This benefit amount is in addition to your basic monthly benefit.
- Non-cancellable and Guaranteed Renewable
- You may renew the policy at the end of each premium term until the expiration date. During that time, the company cannot change the premium or cancel the policy.
- Elimination period (90 Day)
- It is the period of time that must elapse from the onset of a disability, before you are eligible to receive monthly benefits.
