Individual Disability Income
Individual Disability Income replaces income in the event a person is sick or hurt and unable to work. Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods: to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods: 30, 60, 90, 180, 365, 730
Optional riders: residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase option. Special issue limits for young professionals, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.