Graded Benefits due to Sickness
Year 1 - 40%;
Year 2 - 75%; Year 3 - 100%
Built-in Features
Own Occupation Extension Rider, ​Mental Nervous Conditions, Presumptive Disability & Partial Disability
Maximum Monthly Benefits
Up to $25,000
Graded Renewable to Age 67!
Issue Ages 18 to 62
Product Highlights
Elimination Periods
30, 60, 90, 180, 365 & 730-Days
Maximum Benefit Periods
2, 3, 5, 7 & 10-Years
Policy Definitions
Total Disability/Totally Disabled means that because of Injury, Sickness or Mental Disorder or Substance-Related Disorder during a period not to exceed the selected benefit period at time of application, the Insured cannot perform the Material and Substantial Duties of the Insured’s Own Occupation. The Insured must be under the care of a Physician, unless the Physician certifies that the Insured does not need the regular care of a Physician for such a disabling condition.
Partial Disability/Partially Disabled means that the Insured is at work, but because of Injury or Sickness (1) the Insured is able to perform one or more, but not all, of the Material and Substantial Duties of the Insured’s Own Occupation; or (2) the Insured is not able to be present at work for more than one-half of the time required to be Actively at Work.
Mental Nervous Disorders means any disorder classified in the most recent version of the Diagnostic and Statistical Manual of Mental Disorders (DSM), published by the American Psychiatric Association (APA). If the APA no longer publishes a diagnostic manual or the APA ceases to exist, the Company may substitute a comparable diagnostic manual. This Includes but is not limited to, psychiatric, psychological, emotional, or behavioral disorders, or disorders related to stress or to substance abuse or dependency, or any biological or biochemical disorder or imbalance of the brain regardless of the cause, including any complications thereof. This does not include dementia or cognitive impairment resulting from stroke, physical trauma, infections or a form of senility or irreversible dementia such as Alzheimer’s Disease.
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Presumptive Disability Benefit
If the Insured suffers total and irreversible loss of one or more of the following body functions: speech, hearing in both ears, sight in both eyes, use of both arms, use of both legs, or use of one arm and one leg before the Insured reaches Age 70, the Company agrees to pay the Monthly Benefit Amount for Total Disability due to Injury or Sickness up to the Maximum Benefit Period as shown in the Schedule of Benefits whether or not the Insured is able to perform the Material and Substantial Duties of the Insured’s Own Occupation. The Elimination Period does not apply to a Presumptive Disability. The Presumptive Disability benefit will not be payable for any Disability due to a Mental Disorder or Substance-Related Disorder, subject to the applicable law in the state where this Policy is delivered or issued for delivery.
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For additional policy definitions, please refer to the FLEX DI Product Guide.