- Benefits from $500-$5,000 per month (up to 60% of current gross wages)
- Coverage for accidents and/or sickness
- Choice of when benefit payments begin after a covered disability- 0 (accident only), 7, 14, 30, 90, or 180 days
- Choice of benefit periods- 6 or 12 months
- Extended benefit periods of 1 or 4 years available
- Issue ages 18-63
- Benefits are tax-free (when employee pays entire premium after taxes)
- Waiver of any premiums due after the first 14 days of total disability until the end of the benefit period
- Guaranteed renewable until age 65. Thereafter, it is renewable to age 70 or upon receipt of your Social Security retirement benefits.
- Normal pregnancy is covered after the first ten months of the policy effective date; complications of pregnancy are covered the same as any other disability.
All benefits are portable. Products are guaranteed renewable and Issue Ages are 18-64, unless noted otherwise. Product availability, features, options and benefit amounts may vary by state. See actual policy for specific benefit information, including any exceptions and limitations.
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