1 Social Security Administration Fact Sheet, June 2020
2 Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class
3 Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long Term Disability.
Optional riders are available for an additional premium.
* This benefit is not necessarily protection against increases in the cost of living.
** The Rider provides coverage for period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
*** Conditions and limitations apply. Medical information is not required when applying to exercise an increase option. Taken into consideration are financial information as well as all disability insurance in force, for which you’ve applied or are eligible to receive.
**** An individual’s eligibility for benefits is determined on a case-by- case basis, taking into consideration the factual circumstances presented as well as the terms and conditions of his/her policy(ies).