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  • 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.
* Premium discounts of 10% may apply, ** Attending physicians can purchase up to $17,000 monthly benefit, *** If within six months of starting as an attending physician