Coverage for Regular Occupation to Age 65
Receive coverage if you are considered disabled and unable to perform the duties of your regular occupation until age 65.
*Can be added to Foundation Series for an additional cost.
Total Disability Benefits
Receive a monthly benefit up to a certain limit in the event of an injury that prevents you from working.
Partial and Residual Disability Benefits
Receive a monthly benefit (subject to policy rules) if you can only work part-time because of an illness or injury.
Choice of Benefit Periods
Determine whether you want to receive benefits for two years, five years, or until age 65.
Return to Work Assistance Benefits
Access services like rehabilitation, on-site training, and more, to help you get back to work.
Benefit from consistent premiums and coverage. Your insurer cannot change the policy or premiums or cancel the policy until age 65.
Receive a portion of your monthly benefit for up to four months following your return to work after a total or residual disability, or two months following a partial disability, if you experience a decrease of 20% or more in your earnings.
Medical Confidence™ Service
Access faster care and treatment from specialists, 1:1 support from RNs, and more.
Long-Term Care Conversion Option
Convert all (or some) of your coverage to long-term care insurance from age 55-65, without needing to provide evidence of good health.
Waiver of Premium During Disability
You will not have to pay your premium if you are disabled and receiving your benefits.
Keep your policy, even if you change jobs.