Note: Limitations and Exclusions may vary by state. The state specific policy form is the ultimate authority for any questions about this product.

Pre-existing Condition - If disability is within two years from the issue date and is due to a pre-existing condition, no benefits will be paid unless the condition was disclosed and not misrepresented on the application and is not excluded by a policy amendment rider.

Elimination Period – This policy includes an elimination period which is the amount of time the insured must be continuously, totally disabled before eligible to receive monthly benefits.

Mental/Nervous Disorders; Substance Abuse - A maximum of 24 disability monthly benefits will be paid during the insured’s lifetime for disabilities due to mental/nervous disorders and substance abuse.

Guaranteed Renewable. This policy form is guaranteed renewable, meaning the policyowner may continue the coverage provided through the end of the renewal period by payment of the required premiums when they are due. Terms of the policy cannot be changed while it is in force. Premiums for the policy may change, but any changes require prior regulatory approval and can be done on an insured class basis only.

Misstatement of Age and/or Gender - If age and/or gender is misstated, an adjustment in premiums, coverage, or both, will be made based on the correct age and/or gender. If, according to the correct age, the coverage provided by this policy would not have become effective, or would have ceased, the only liability during the period in which the insured was not eligible for coverage, shall be limited to the refund of premiums paid for such period.

Misstatement of Income - If monthly income was overstated at the time of policy application, an adjustment in both coverage and premiums may be made. If, according to the correct income, the coverage provided by the policy would not have become effective, liability shall be limited to the refund of premiums paid.

Foreign Travel and Residency - A maximum of three disability monthly benefits will be paid for any disability sustained or continued outside the United States or Canada.

Military Service - The policy may be suspended if the insured enters active military service.

Benefits will not be paid for conditions that are caused by or the result of the insured:

•being pregnant, experiencing childbirth or having an elective abortion (Complication of pregnancy is deemed to be a sickness);>
•losing an occupational or professional license or certification;>
•being exposed to war or any act of war, declared or undeclared;>
engaging in an illegal occupation;>
•participating in or attempting to commit a felony;>
•intentionally self-inflicting a sickness or injury;>
•committing or attempting to commit suicide, while sane or insane;>
•being incarcerated or is caused while incarcerated in a penal institution or government detention facility;>
•being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where the disability occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed by a Physician); or>
•actively serving in any of the armed forces, or units auxiliary thereto, including the National Guard or Reserves, except during the active duty training of less than 60 days.>


Residual Disability Benefit Rider Standard Limitations and Exclusions (Form No. R I1602)

Any benefit payments under this rider require proof of prior monthly income and current monthly income, including items such as Federal Income Tax Return(s) as filed with the Internal Revenue Service, monthly profit and loss statements, and earnings statements.

Supplemental Disability Income Rider Standard Limitations and Exclusions (Form No. R I0929)

Any benefit payments under this rider are subject to the following conditions:

•the insured applies for any social insurance benefits for which they are eligible in a timely manner;
•written proof is provided that the insured has applied for social insurance benefits along with the amount qualified to receive;
•written permission is provided to obtain information on the insured’s application, reapplication or appeal for social insurance benefits;
•all appeal procedures available are actively pursued by the insured in a timely manner if denied social insurance benefits;
reapplication for social insurance benefits is done by the insured upon request if there is a change in circumstances or in the law; and
•written proof is provided by the insured of any award or payment of social insurance benefits as soon as they are received, in addition to any change in benefit eligibility or payment status.

Disability income insurance provides income protection through payment of monthly benefits for up to the length of the benefit period while the insured is totally disabled from a covered accident or sickness. Benefits begin after the elimination period. Coverage is guaranteed renewable to the insured’s age 65; longer under certain conditions.

Benefit Period Description

The benefit period is the maximum amount of time any combination of total disability or partial disability monthly benefits will be paid while the insured is totally disabled.

Elimination Period Description

The elimination period (also called waiting period) is the amount of time the insured must be continuously, totally disabled before eligible to receive monthly benefits.

Totally Disabled Definition

Being totally disabled requires sickness or injury which:

•starts while this policy is in force; and
•requires a physician’s care unless the physician certifies maximum recovery; and
•for the first two years after the elimination period, keeps the insured from doing all the substantial and material duties of their own occupation; and
•after benefits have been paid for two years, keeps the insured from doing all the substantial and material duties of any gainful occupation – an occupation, which fits them by education, training or experience and replaces at least 60 percent of their prior monthly income

Partial Disability Benefit Description

This benefit pays 50 percent of the policy’s monthly benefit if the insured is partially disabled and has resumed part-time employment immediately following a period of total disability for which benefits were paid. Partial disability benefits are limited to six months and will not extend the total period of benefits beyond the policy’s maximum benefit period.

Presumptive Disability Benefit Description

This benefit pays the policy’s monthly benefit if the insured has total and irreversible loss of speech, hearing, sight in both eyes, use of both feet, use of both hands, or use of one hand and one foot. The elimination period is waived and the monthly benefit will be paid for the maximum benefit period, whether or not the insured is able to work or under the care of a physician.

Home Modification Benefit Description

This benefit pays actual costs up to a lifetime maximum of six times the monthly benefit toward modifying the insured’s existing residence to improve access or use of facilities while the insured is totally disabled.

Survivor Benefit Description

This benefit pays a lump sum of six times the base policy monthly benefit to the beneficiary if the insured dies while totally disabled and after receiving monthly benefits for at least 12 months immediately preceding death.

Vocational Rehabilitation Benefit Description

This benefit pays actual costs up to six times the monthly benefit for the costs of a vocational rehabilitation program if the insured is totally disabled and receiving monthly benefits. The program must be pre-approved and provide instruction or training at an accredited college, university or vocational school that contributes to the insured’s return to work.

Organ Donor Benefit Description

This benefit pays policy and rider benefits on the same basis as any other sickness if the insured becomes totally disabled as the result of surgery to harvest an organ for donation or bone marrow donation. For benefits to be paid, the elimination period must be satisfied, and the donation must occur after this policy has been in force for six months or more from the issue date or last reinstatement date.

Waiver of Premium Benefit Description

This benefit waives renewal premiums while the insured is totally disabled, starting on the first premium due date after the insured has been totally disabled for the elimination period or 90 days, whichever is shorter. Waiver of premium stops when the insured is no longer totally disabled or at the end of the maximum benefit period, whichever is first.

Automatic Benefit Increase Rider Description (Form No. R I0922)

After one year of continuous monthly disability benefits payments, this rider increases the base policy monthly benefit by 5 percent of the original monthly amount each year benefits remain continuously payable, until the payment has increased to twice the original amount, at which point increases stop.

Guaranteed Insurability Rider Description (Form No. R I1601)

This rider gives the insured the option to increase their base policy monthly benefit by purchasing additional amounts of insurance. Additional amounts will have the same benefit period and elimination period as the policy. Increases do not require evidence of insurability and are based on the insured’s current income and the issue and participation limits in effect on the option date. Premiums for the additional insurance will be based on the insured’s attained age and the current rates. The insured cannot exercise an option if disabled or receiving benefits.

Non-Cancelable Rider Description (Form No. R I0925)

This rider makes the policy non-cancelable, meaning the policy and riders cannot be canceled prior to their normal termination date and the policy and rider premiums cannot be changed.

Own Occupation Rider Description (Form No. R I0921)

This rider extends the policy’s two-year own occupation period for the definition of total disability to the period selected in this rider.

Residual Disability Rider Description (Form No. R I1602)

This rider pays the residual disability monthly benefit if the insured is residually disabled, preventing them from performing some job duties resulting in a loss of at least 20 percent of prior monthly income, and the elimination period has been satisfied by any continuous period of total and/or residual disability.

Benefits will continue and premiums will be waived until the insured ceases to be residually disabled or to the end of the residual benefit period, whichever is first. The residual disability monthly benefit is based on the insured’s percentage loss of prior income.

Supplemental Disability Income Rider Description (Form No. R I0929)

This rider pays a monthly benefit less any social insurance benefits received, offset dollar for dollar, if the insured is totally disabled and the elimination period has been satisfied. Benefits will be paid until the insured is no longer totally disabled or to the end of the maximum benefit period, whichever is first. No benefits will be paid if social insurance benefits exceed this rider’s monthly benefit amount.