FAQ

Six months after you are “totally disabled”.

A: That as a result of a covered injury or sickness, you are totally unable to perform the substantial and material duties of your regular occupation or specialty as shown on your policy certificate for the elimination period and for each month during which benefits are payable. In addition, you must be under the care of a physician.

OR

B: You have an injury or sickness that results in the entire and irrevocable loss of at least one of the below:

• The use of both hands or both feet
• The use of one hand and one foot
• The sight in both eyes
• The hearing in both ears
• The ability to speak

In that event the elimination period will be waived and ongoing medical care is not required.

Yes, if an accident or illness reduces your income by 15% or more you will be entitled to a residual benefit. For example, if your monthly benefit is $5,000 and because of an accident or illness your income is reduced by 50%, you will be paid a $ 2,500-a-month disability benefit.

Premiums are due during the 6-month period after the start of a disability. At the end of the 6 months or when the benefits begin, then premiums will be waived. (Please note, that a full first-year premium is due before the waiver is effective.)

Up to five years less one day.(If you are 61 and older, please refer to the Policy Term & BenefitPeriod table for additional information.)

No, the policies are designed to be used to supplement your existing coverage, not to replace it.

To qualify, you must have been actively at work full-time at least 30 hours per week in your specialty occupation for 180 days preceding the open enrollment period and have not been paid disability benefits in the past five years.

Not necessarily. It depends upon the condition that caused the interruption in work or the disability.

No

Yes, all benefits are income tax-free under the IRC Section 104(a)(3) because the premiums are paid with after-tax dollars. Please consult your financial advisor for more information.

Yes, protection is worldwide,24/7.

If the loss is caused by, or the result of:

• Being under the influence of narcotics or intoxicants.
• Any psychosis, neurosis, or neuropsychiatric illness including, but not limited to any emotional anxiety or depression illness
• Attempted suicide or an intentionally self-inflicted injury.
• Travel on aircraft for test purposes, on military aircraft, serving as a pilot or crew member or taking a flying lesson.
• Participation in a riot, service in the military, or committing or attempting to commit a felony.
• Losses from any act of nuclear, chemical, or biological terrorism.
• Nuclear reaction, radiation, or contamination (not related to occupation).
• A pre-existing condition.

*See the policy specimen for a full list of exclusions and limitations.

Yes, with the exception of nuclear, chemical, or biological terrorism.

[The effective date shown on the policy][The effective date if January 1, 2024]

You must become Totally Disabled within 730 days from the date your accident or illness “first manifests” or first occurs.

PRE-EXISTING CONDITION means a sickness or accidental injury for which you, in the 12 months before your insurance or any

increase in the amount of insurance under this Policy takes effect, have:

• Received medical treatment, consultation, care or services; or
• Taken/took prescription medication or had medication prescribed;
• Had or have any symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care, or treatment for such conditions.

We will not pay benefits for disability that results from a Pre-existing Condition unless for a continuous 12 consecutive month period after the effective date of your Disability insurance you have been actively at work full-time (30 or more hours per week) and have not:

• Received medical treatment, consultation, care or services or
• Taken prescription medication or had medication prescribed or
• Had or have any symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care, or treatment for such condition.

We will not pay the increase in benefit amount related to an elected increase in the amount of your insurance for a disability that results from a Pre-existing Condition unless for a continuous 12 consecutive month period after the date on which the elected increase in the amount of such insurance takes effect under this Policy, you have been actively at work full-time (30 or more hours per week) and have not:

• Received medical treatment, consultation, care or services or
• Taken prescription medication or had medication prescribed or
• Had or have any symptoms or conditions that would cause a reasonably prudent person to seek diagnosis, care or treatment.

The intent of this program for insurance is to insure against unforeseen accidents, illnesses or injuries that arise after the effective date of the policy. The intent is not to insure against known illnesses.

Should you have a pre-existing condition for which you desire an assurance or guidance as to whether the condition will be covered the condition must be fully disclosed to underwriters and such condition will then be either specifically accepted, accepted at special terms and conditions, or excluded. An endorsement confirming terms of coverage or condition exclusion will be issued to your policy.

You can return your certificate within 10 days of receiving it and be given a full refund of your premium payment.

If you do not enroll during your initial enrollment period, in order to obtain coverage in the future, proof of good health is required by answering medical questions and/or having a medical examination.