Accident Only Disability

Only available in California

Renewability: Guaranteed Renewable to Age 67
Issue Ages: 18-61 (Age Last Birthday)
Non-Med up to $5,000
Elimination Period: 0, 7, 14, 30, 60 or 90 Calendar Days
Benefit Period: 3, 6, 12 or 24 Months
Basic Policy Provisions: Presumptive Total Disability, Recurrent Disability, Survivor, Total/Partial Disability, Waiver of Premium, Workers’ Compensation Rider
Riders Available: Accident Hospital Confinement, Accident Medical Expense

Short-Term Disability

Renewability:

• Guaranteed Renewable to Age 67
• Conditionally Renewable to Age 75

Issue Ages: 18-61 (Age Last Birthday)

Non-Med up to $3,000

Elimination Period: 0/7, 7, 0/14, 14, 30, 60 or 90 Calendar Days

Benefit Period: 3, 6, 12 or 24 Months

Basic Policy Provisions: Presumptive Total Disability, Recurrent Disability, Rehabilitation, Survivor, Terminal Illness, Total/Partial Disability, Transplant Donor, Waiver of Premium, Workers’ Compensation Rider

Riders Available: Accident Medical Expense, Critical Illness, Hospital Confinement, Return of Premium

Long-Term Disability

Renewability:

• Guaranteed Renewable to Age 67
• Conditionally Renewable to Age 75

Issue Ages: 18-61 (Age Last Birthday)

Elimination Period: 60, 90, 180 or 365 Calendar Days

Benefit Period: 2, 5, 10 Years or To Age 67

Basic Policy Provisions: Presumptive Total Disability, Proportionate Disability, Recurrent Disability, Rehabilitation, Survivor, Terminal Illness, Total Disability, Transplant Donor, Waiver of Premium

Riders Available: Accident Medical Expense, Cost-of-Living Adjustment, Critical Illness, Extended Own Occupation, Extended Proportionate Disability, Future Insurability Option, Hospital Confinement, Return of Premium, Social Insurance Supplement

Business Overhead Expense

Renewability: Guaranteed Renewable to Age 65

Issue Ages: 20-59 (Age Last Birthday)

Non-Med up to $3,000

Elimination Period: 30, 60, 90, 180 or 365 Calendar Days

Benefit Period: 12 or 18 Months