Disability Underwriting Updates

Disability Underwriting Updates Include:

• Unearned income and net worth guidelines. We now ignore up to 50% of earned income (previously 20%) and net worth up to $20 million (previously $10 million).
• Military retirement benefit. Instead of auto exclude for all conditions of the military benefit, we’ll underwrite for actual medical condition to possibly avoid exclusion rider.
• Disability Income Retirement Security (DIRS). Limits are increased from $ 5,100 per month to $5,900 per month. This keeps DIRS offers within the recently released IRS contribution limits for 2025.